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| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE BENEFIT GROUP, INC. EIN 74-2124394 ADMIN | Plan Administrator Service code 14 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $16K |
| MULTIPLAN, INC EIN 13-3068979 PPO FEE | Insurance agents and brokers Service code 22 | P O BOX 29380 NEW YORK, NY 10087 | $7K |
| ALL ATLANTIC BENEFITS LLC EIN 84-4210940 BROKER FEE | Insurance agents and brokers Service code 22 | 200 S. PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | $4K |
| WORLD INSURANCE ASSOCIATES LLC EIN 45-3601219 BROKER FEE | Insurance agents and brokers Service code 22 | 4650 S HOPKINS AVE TITUSVILLE, FL 32780 | $725 |
| SAPOZNIK INSURANCE & ASSOCIATES, LL EIN 65-0086146 BROKER FEE | Insurance agents and brokers Service code 22 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | $423 |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 54 | $962K |
| Dental(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE (FSL) | 202 | $192K |
| Vision | STARTMOUNT LIFE INSUNRANCE COMPANY | 31 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $46K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $35K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 202 | $1.1M |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE (FSL) | 202 | $146K |
| Other(5 contracts, 3 carriers) | FIDELITY SECURITY LIFE (FSL) | 202 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.