| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $6K | 1.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $6K | $15K | 4.47% |
| LEE P COHEN3 Filed as: LEE P. COHEN | 16273 SOUTHWEST 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $868 | $0 | $868 | 2.88% |
| KCI FINANCIAL SERV. INC3 Filed as: KCI FINANCIAL SERVICE INC | 16273 SOUTHWEST 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $705 | $0 | $705 | 2.34% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SOUTHWEST 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $433 | $0 | $433 | 1.43% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SOUTHWEST 9TH STREEET PEMBROKE PINES, FL 33027 | AFLAC | $366 | $0 | $366 | 1.21% |
| MJ INSURANCE3 Filed as: DONNA CHIN LOY & VARIOUS AGENTS | 3111 SOUTHWEST 37TH TERRACE WEST PARK, FL 33023 | AFLAC | $240 | $0 | $240 | 0.80% |
| BONNIE J. BLOOM3 | 1856 NORTH NOB HILL ROAD SUITE 267 PLANTATION, FL 33322 | AFLAC | $178 | $0 | $178 | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $159 | $0 | $159 | 0.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$3 | $0 | -$3 | -0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 593 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 795 | $353K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,077 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $328K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $328K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 593 | $3.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.