| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | HEALTH OPTIONS, INC. | $9K | — | $9K | 2.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC. | $7K | — | $7K | 2.03% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 2.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 2.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $6K | — | $6K | 10.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE | $3K | — | $3K | 6.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | FLORIDA COMBINED LIFE | $1K | — | $1K | 2.64% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | USABLE LIFE | $2K | — | $2K | 6.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | USABLE LIFE | $796 | — | $796 | 2.64% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $267 | — | $267 | 0.89% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET, STE G-1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.92% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $675 | — | $675 | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF FLORIDA | 1201 W CPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 0.14% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE BOCA RATON, FL 33487 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.84% |
| MICHAEL VIDAL3 | 18413 NW 9TH ST PEMBROKE PINES, FL 33029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $150 | — | $150 | 11.97% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE | $65 | — | $65 | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | FLORIDA COMBINED LIFE | $21 | — | $21 | 2.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $94 | — | $94 | 12.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37 | — | $37 | 11.94% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 52 | $403K |
| Dental(4 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 96 | $50K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 96 | $60K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 237 | $31K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 231 | $30K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 231 | $31K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 52 | $403K |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 237 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.