| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S&S HEALTHCARE5 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | S&S HEALTHCARE | $14K | — | $14K | 11.48% |
| CABOT UNDERWRITERS3 | 270 FIRST AVE SOUTH #305A ST PETERSBURG, FL 33701 | S&S HEALTHCARE | $10K | — | $10K | 8.18% |
| IHPLANS INC3 | 950 PENINSULA CORP CIRCLE SUITE 3007 BOCA RATON, FL 33487 | S&S HEALTHCARE | $7K | — | $7K | 5.82% |
| SKOLNIK BENEFIT SOLUTIONS, LLC3 Filed as: SKOLNIK BENEFIT SOLUTIONS | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | S&S HEALTHCARE | $5K | — | $5K | 3.90% |
| MEDWATCH LLC3 Filed as: MEDWATCH | 5600 FISHERS LANE ROCKVILLE, MD 20852 | S&S HEALTHCARE | $2K | — | $2K | 1.56% |
| PHIA GROUP3 Filed as: PHIA GROUP CONSULTING | 40 PEQUOT WAY CANTON, MA 02021 | S&S HEALTHCARE | $700 | — | $700 | 0.58% |
| 1-800-MD3 | 6408 BANNINGTON ROAD CHARLOTTE, NC 28226 | S&S HEALTHCARE | $452 | — | $452 | 0.37% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | S&S HEALTHCARE | $266 | — | $266 | 0.22% |
| PHCS3 | 16 CROSBY DRIVE BEDFORD, MA 01730 | S&S HEALTHCARE | $219 | — | $219 | 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 | 31 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | S&S HEALTHCARE | 31 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.