| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRES HEALTH/HBA3 | 950 PENINSULA CIRCLE SUITE 3007 BOCA RATON, FL 33487 | S&S HEALTHCARE | $27K | — | $27K | 15.75% |
| SUFFOLK/PROVIDENCE3 | 644 FERNANDEZ JUNCOS AVE SAN JUAN, PR 00907 | S&S HEALTHCARE | $18K | — | $18K | 10.21% |
| S&S HEALTHCARE5 | 4900 PARKWAY DRIVE SUITE 160 MASON, OH 45040 | S&S HEALTHCARE | $11K | — | $11K | 6.30% |
| IHPLANS INC3 | 950 PENISULA CORP CIRCLE SUITE 3007 BOCA RATON, FL 33487 | S&S HEALTHCARE | $11K | — | $11K | 6.23% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | S&S HEALTHCARE | $6K | — | $6K | 3.23% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | S&S HEALTHCARE | $2K | — | $2K | 1.11% |
| DEERWALK3 | 430 BEDFORD STREET LEXINGTON, MA 02420 | S&S HEALTHCARE | $686 | — | $686 | 0.40% |
| MEDWATCH LLC3 Filed as: MEDWATCH | 5600 FISHERS LANE ROCKVILLE, MD 20852 | S&S HEALTHCARE | -$12 | — | -$12 | -0.01% |
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 | 33 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 33 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | S&S HEALTHCARE | 33 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.