| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 6506 KENDALE LAKES DR APT 306 MIAMI, FL 33183 | HEALTH OPTIONS, INC. | $13K | — | $13K | 5.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE | $9K | — | $9K | 11.82% |
| FLORIDA BLUE3 Filed as: SHERNETTE HADLEY - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $571 | — | $571 | 0.78% |
| FLORIDA BLUE3 Filed as: MAGGIE LUCAS - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $262 | — | $262 | 0.36% |
| FLORIDA BLUE3 Filed as: SOLANGE CAMPUZANO - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $262 | — | $262 | 0.36% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 6506 KENDALE LAKES DR APT 306 MIAMI, FL 33183 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 5.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE | $3K | — | $3K | 8.74% |
| FLORIDA BLUE3 Filed as: SHERNETTE HADLEY - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | — | $1K | 3.75% |
| FLORIDA BLUE3 Filed as: MAGGIE LUCAS - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $170 | — | $170 | 0.45% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET, STE G-1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $737 | — | $737 | 4.00% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.69% |
| MICHAEL VIDAL3 | 18413 NW 9TH ST PEMBROKE PINES, FL 33029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.16% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUE CROSS BLUE SHIELD OF FLORIDA | $864 | — | $864 | 10.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE | $180 | — | $180 | 10.09% |
| FLORIDA BLUE3 Filed as: SHERNETTE HADLEY - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $72 | — | $72 | 4.04% |
| FLORIDA BLUE3 Filed as: MAGGIE LUCAS - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $8 | — | $8 | 0.45% |
| FLORIDA BLUE3 Filed as: SOLANGE CAMPUZANO - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $8 | — | $8 | 0.45% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 47 | $338K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 103 | $75K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 69 | $9K |
| Life insurance | FLORIDA COMBINED LIFE | 252 | $38K |
| Short-term disability | FLORIDA COMBINED LIFE | 252 | $38K |
| Long-term disability | FLORIDA COMBINED LIFE | 252 | $38K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 47 | $338K |
| Other(3 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 252 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.