| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST BLDG G MIAMI, FL 33186 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 5.61% |
| INSURE PLEX3 | 13200 SW 128TH ST BLDG G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $3K | — | $3K | 17.76% |
| MICHAEL VIDAL3 | 18413 NW 9TH ST PEMBROKE PINES, FL 33029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $17 | — | $17 | 0.11% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | TRANS CONN LLC | $845 | — | $845 | 7.61% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANS CONN LLC | $444 | — | $444 | 4.00% |
| MANNY RIBADEO3 | 13200 SW 128TH ST SUITE G-1 MIAMI, FL 33186 | TRANS CONN LLC | $155 | — | $155 | 1.40% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $857 | — | $857 | 10.00% |
| INSURE PLEX3 | 13200 SW 128TH ST BLDG G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | — | $2K | 32.99% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $471 | — | $471 | 10.00% |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $369K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $9K |
| Other(5 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 275 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.