| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 29258 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $112K | $112K | 5.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 MIAMI, FL 33114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 12.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.88% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 29258 | TRANSAMERICA LIFE INSURANCE COMPANY | $873 | $0 | $873 | 12.47% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $768 | $0 | $768 | 10.97% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 500 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $478 | $0 | $478 | 6.83% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $388 | $0 | $388 | 5.54% |
| IMPACT INTERACTIVE LLC3 Filed as: IMPACT INTERACTIVE, LLC | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA LIFE INSURANCE COMPANY | $192 | $0 | $192 | 2.74% |
| KELLEY J RHEAULT4 Filed as: KELLEY J. RHEAULT | 155 CONCHA DRIVE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $424 | $0 | $424 | 13.77% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES, INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $68 | $0 | $68 | 2.21% |
| DAVID CLARK4 | 2526 EASTWAY DRIVE, APARTMENT 7D CHARLOTTE, NC 28205 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $38 | $0 | $38 | 1.23% |
| KATIE MCMAHON4 | 942 LAREDO LANE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | $0 | $24 | 0.78% |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $336K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $336K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $336K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $336K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $336K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 560 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.