| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $13K | 3.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 3.00% |
| LEE P COHEN3 Filed as: LEE P. COHEN | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $703 | $0 | $703 | 2.89% |
| KCI FINANCIAL SERV. INC3 Filed as: KCI FINANCIAL SERVICE INC | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $543 | $0 | $543 | 2.23% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $352 | $0 | $352 | 1.45% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $296 | $0 | $296 | 1.22% |
| DONNA CHIN LOY AND OTHER AGENTS3 | 3111 SW 37TH TERRACE WEST PARK, FL 33023 | AFLAC | $194 | $0 | $194 | 0.80% |
| BONNIE J. BLOOM3 | 1856 NORTH NOB HILL ROAD, SUITE 267 PLANTATION, FL 33322 | AFLAC | $153 | $0 | $153 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $131 | $0 | $131 | 0.54% |
| 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 | 10.05% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $351K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 527 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $233K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $233K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $4.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.