| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATION SERVICES, INC3 | 7771 WEST OAKLAND PARK BLVD SUITE 217 SUNRISE, FL 33351 | ADVANTICA | $60K | — | $60K | 10.00% |
| BENEFIT COMMUNICATION SERVICES, INC | 7771 OAKLAND PARK BLVD SUITE 217 SUNRISE, FL 33351 | DOMINION DENTAL SERVICES, INC. | $44K | — | $44K | 19.54% |
| BENEFIT COMMUNICATION SERVICES, INC5 Filed as: BENEFIT COMMUNICATION SERVICES | 7771 WEST OAKLAND PARK BOULEVARD SUITE 217 SUNRISE, FL 33351 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD OF N EIN 22-0999690 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.7M |
| TRI-STATE ADMINISTRATORS EIN 22-3478819 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.7M |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Claims processing Service code 12 | — | $144K |
| O'BRIEN, BELLAND, & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $67K |
| MORGAN, LEWIS, & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| BOND BEEBE, P.C EIN 52-1044197 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $51K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Insurance services Service code 12 | — | $40K |
| CHEIRON INC. EIN 13-4215617 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $33K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Other fees; Direct payment from the plan Service code 50 | — | $21K |
| DR. ROBERT B. DANIELS EIN 23-2534279 NONE | Claims processing Service code 12 | — | $7K |
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 | 11,816 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 207 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED AMERICAN INSURANCE COMPANY | 82 | $489K |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 7,633 | $3.2M |
| Vision(2 contracts, 2 carriers) | ADVANTICA | 2,045 | $652K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 10,049 | $402K |
| Other(3 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 10,040 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,049 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.