| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AMERITAS | $21K | $0 | $21K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $14K | $30K | 19.09% |
| TRACY L REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $6K | $140 | $6K | 14.98% |
| ASSUREDPARTNERS3 Filed as: KEYSTONE BENFIT GROUP | 10175 FORTUNE PARKWAY UNIT 303 JACKSONVILLE, FL 32256 | AFLAC | $332 | $0 | $332 | 0.83% |
| THOMAS ASSOCIATES LLC3 Filed as: THOMAS ASSOCIATES, LLC | AND VARIOUS AGENTS 2801 SCENIC MEADOW STREET WALDROF, MD 20603 | AFLAC | $322 | $2 | $324 | 0.81% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $138 | $16 | $154 | 0.39% |
| KAREN A DEVINE3 | 46965 CAMEO LANE APARTMENT 404 LEXINGTON PARK, MD 20653 | AFLAC | $115 | $0 | $115 | 0.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AFLAC | $81 | $0 | $81 | 0.20% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 251 ROYAL COURT DELRAY BEACH, FL 33444 | AFLAC | $70 | $2 | $72 | 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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS | 418 | $209K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $159K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $159K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $159K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.