| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FT LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 4.15% |
| ROCHE MEDIA, LLC3 | 150 SOUTH PINE ISLAND ROAD SUITE 300 PLANTATION, FL 33324 | STANDARD INSURANCE COMPANY | $0 | $564 | $564 | 0.09% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$13K | -$13K | -2.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FT LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 6.08% |
| ROCHE MEDIA, LLC3 | 150 SOUTH PINE ISLAND ROAD SUITE 300 PLANTATION, FL 33324 | STANDARD INSURANCE COMPANY | $0 | $381 | $381 | 0.09% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$9K | -$9K | -2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FT LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 8.56% |
| ROCHE MEDIA, LLC3 | 150 SOUTH PINE ISLAND ROAD SUITE 300 PLANTATION, FL 33324 | STANDARD INSURANCE COMPANY | $0 | $368 | $368 | 0.12% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | — | -$9K | -$9K | -2.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | STANDARD INSURANCE COMPANY | $129K | $0 | $129K | 61.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $382 | $49 | $431 | 0.23% |
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 | 3,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,519 | $750K |
| Vision | VISION SERVICE PLAN | 1,377 | $129K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,067 | $299K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,818 | $411K |
| Long-term disability | STANDARD INSURANCE COMPANY | 664 | $603K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,067 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,067 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.