| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $130K | — | $130K | 5.01% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | UNUM LIFE INSURANCE CO. OF AMERICA | $29K | — | $29K | 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 | — | $7K | 6.26% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A&A BENEFIT CONSULTANTS, INC. | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | HEALTHCARE DENTAL, INC. | $3K | — | $3K | 6.26% |
| 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 | — | $6K | 15.44% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC | 1605 LANCASHIRE DRIVE VENICE, FL 34293 | VISION SERVICE PLAN | $1K | — | $1K | 4.90% |
| A&A BENEFIT CONSULTANTS INC3 Filed as: A & A BENEFIT CONSULTANTS INC. | 1566 FENIMORE STREET N BELLMORE, NY 11710 | MAGELLAN HEALTHCARE | $516 | — | $516 | 12.01% |
| 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 | $176K |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $2.6M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 107 | $158K |
| Vision | VISION SERVICE PLAN | 153 | $21K |
| Life insurance | UNUM LIFE INSURANCE CO. OF AMERICA | 148 | $191K |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 148 | $191K |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 148 | $191K |
| Other(2 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 148 | $228K |
| 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."
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.
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.