| 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 | OXFORD HEALTH INSURANCE, INC. | $110K | $0 | $110K | 5.00% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | UNUM LIFE INSURANCE CO. OF AMERICA | $31K | $0 | $31K | 15.00% |
| 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. | $3K | $0 | $3K | 6.01% |
| 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 | $5K | $0 | $5K | 14.98% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | VISION SERVICE PLAN | $972 | $0 | $972 | 4.97% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1566 FENIMORE STREET N BELLMORE, NY 11710 | MAGELLAN HEALTHCARE | $645 | $0 | $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 | $157K |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 328 | $2.2M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 103 | $157K |
| Vision | VISION SERVICE PLAN | 153 | $20K |
| Life insurance | UNUM LIFE INSURANCE CO. OF AMERICA | 154 | $205K |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 154 | $205K |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 154 | $205K |
| Other(2 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 154 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.