| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDON BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | UNITEDHEALTHCARE INSURANCE COMPANY | $93K | $0 | $93K | 2.09% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | $0 | $75K | 1.68% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.94% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $62 | $6K | 1.59% |
| KAPLAN BENEFITS GROUP LLC3 | 6550 ROCK SPRING DRIVE, SUITE 340 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | -$707 | $0 | -$707 | -0.17% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 5.84% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.99% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 10923 COUNTRYWAL BOULEVARD TAMPA, FL 33626 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.89% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, SUITE 901 CORAL GABLES, FL 33146 | HYATT LEGAL PLANS | $144 | $0 | $144 | 6.90% |
| KAPLAN BENEFITS GROUP LLC3 | 6550 ROCK SPRINGS DRIVE, SUITE 340 BETHESDA, MD 20817 | HYATT LEGAL PLANS | $36 | $0 | $36 | 1.72% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | HYATT LEGAL PLANS | $19 | $0 | $19 | 0.91% |
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 | 423 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 785 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $406K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $406K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $338K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $338K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $338K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 785 | $4.5M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $747K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.