| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF FLORIDA | $92K | $0 | $92K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $6K | $24K | 13.01% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $20K | 13.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 13.82% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING, LLC | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $184 | $4K | 21.61% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $15 | $3K | 17.95% |
| DANIELS SOLUTIONS LLC3 Filed as: DANIELS SOLUTIONS, LLC | 13650 WEST HILLSBOROUGH AVENUE GREATER TAMPA, FL 33635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $608 | $667 | $1K | 7.76% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $594 | $266 | $860 | 5.23% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1023 GRANADA STREET CLEARWATER, FL 33755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $77 | $279 | 1.70% |
| JANET S DOHERTY3 Filed as: JANET S. DOHERTY | 17328 EAST ADRIATIC PLACE AURORA, CO 80013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.18% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 191 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $153K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 267 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $186K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $186K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $186K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 191 | $1.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.