| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURE PLEX3 Filed as: INSURE PLEX, INC. | 13200 SW 128TH ST #G4 MIAMI, FL 33186 | PAN-AMERICAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.40% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.68% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | AETNA | $11K | — | $11K | 6.05% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | AETNA | $5K | — | $5K | 5.99% |
| INSURE PLEX3 | 13200 SW 128TH ST BUILDING G MIAMI, FL 33186 | ALLSTATE BENEFITS (AMERICAN HERITAGE LIFE INSURANCE COMPANY) | $4K | — | $4K | 17.82% |
| HARVEY CLAUDE TIMMER3 Filed as: HARVEY C. TIMBER | 10725 SW 134TH TERRACE MIAMI, FL 33176 | ALLSTATE BENEFITS (AMERICAN HERITAGE LIFE INSURANCE COMPANY) | $123 | — | $123 | 0.62% |
| MICHAEL VIDAL3 | 18413 NW 9TH ST PEMBROKE PINES, FL 33029 | ALLSTATE BENEFITS (AMERICAN HERITAGE LIFE INSURANCE COMPANY) | $65 | — | $65 | 0.33% |
| HOWARD E. SHARFMAN3 Filed as: HOWARD M. WILNER | 659 W RANDOLPH ST APT 1615 CHICAGO, IL 60661 | ALLSTATE BENEFITS (AMERICAN HERITAGE LIFE INSURANCE COMPANY) | $4 | — | $4 | 0.02% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | FIDELITY SECURITY LIFE INSURANCE | $819 | — | $819 | 10.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G-1 MIAMI, FL 33186 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 18.28% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST BLDG G MIAMI, FL 33186 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $229 | $0 | $229 | 9.43% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | — | $115 | 10.03% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82 | — | $82 | 9.95% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47 | — | $47 | 10.09% |
| CLAUDINE M NELSON3 | 13200 SW 128TH ST STE G-1 MIAMI, FL 33186 | UDC DENTAL OF CALIFORNIA, INC | $32 | — | $32 | 9.97% |
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 | 479 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 139 | $237K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $190K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $187K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $188K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $187K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $188K |
| Other(11 contracts, 9 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.