| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G4 MIAMI, FL 33186 | AETNA HEALTH, INC. | $832 | — | $832 | 0.26% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G4 MIAMI, FL 33186 | AETNA LIFE INSURANCE COMPANY | $352 | $5K | $5K | 3.47% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 10.59% |
| MANNY RIBADEO3 Filed as: MANNY R RIBADEO | 13200 SW 128TH ST BLDG G-1 MIAMI, FL 33186 | UNION SECURITY INSURANCE COMPANY | $84 | $0 | $84 | 0.13% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $40 | $1K | 10.31% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $964 | $29 | $993 | 10.30% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | GUARDIAN | $689 | — | $689 | 9.99% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $543 | $16 | $559 | 10.29% |
| CLAUDINE M NELSON3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UDC DENTAL OF CALIFORNIA, INC | $360 | — | $360 | 9.99% |
| JULIO C SARDINAS3 | 8004 NW 154TH ST STE 337 MIAMI LAKES, FL 33016 | UNITED DENTAL CARE OF TEXAS, INC | $99 | — | $99 | 9.98% |
| MANNY RIBADEO3 Filed as: MANNY R RIBADEO | 13200 SW 128TH ST BLDG G-1 MIAMI, FL 33186 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $59 | — | $59 | 14.43% |
| EDWARD D COLINA3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNION SECURITY DENTALCARE OF GEORGIA, INC | $38 | — | $38 | 11.52% |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 106 | $192K |
| Dental(5 contracts, 5 carriers) | UNION SECURITY INSURANCE COMPANY | 144 | $77K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 144 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $10K |
| Other(7 contracts, 6 carriers) | UNION SECURITY INSURANCE COMPANY | 272 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.