| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS, INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | HORIZON HEALTHCARE SERVICES, INC. | $87K | $0 | $87K | 5.00% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS, INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | HORIZON HEALTHCARE SERVICES, INC. | $18K | $0 | $18K | 4.97% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | UNUM LIFE INSURANCE CO. OF AMERICA | $30K | $0 | $30K | 16.23% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS, INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 5.99% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A&A BENEFIT CONSULTANTS, INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | HEALTHCARE DENTAL, INC. | $2K | $0 | $2K | 5.99% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1566 FENIMORE STREET N. BELLMORE, NY 11710 | UNUM LIFE INSURANCE CO. OF AMERICA | $6K | $0 | $6K | 15.69% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.69% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1566 FENIMORE STREET N BELLMORE, NY 11710 | MAGELLAN HEALTHCARE | $645 | — | $645 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| A & A BENEFIT CONSULTANTS, INC. INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | $152K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 180 | $1.7M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 98 | $153K |
| Vision | VISION SERVICE PLAN | 136 | $19K |
| Life insurance | UNUM LIFE INSURANCE CO. OF AMERICA | 138 | $187K |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 138 | $187K |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 138 | $187K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 133 | $357K |
| Other(2 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 138 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.