| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JORGE ESCALA3 Filed as: JORGE L ESCALA | 2450 SW 102ND PL MIAMI, FL 33165 | AETNA LIFE INSURANCE CO. | $114K | $5K | $119K | 7.15% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34140 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $18K | — | $18K | 9.99% |
| JORGE ESCALA3 | 2450 SW 102 PLACE MIAMI, FL 33165 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| JORGE ESCALA3 | 2450 SW 102ND PL MIAMI, FL 33165 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.01% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128 STREET BLDG G MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 15.00% |
| EQUITABLE NETWORK LLC3 | 280 S 400 W STE 100 SALT LAKE CITY, UT 84101 | PRINCIPAL LIFE INSURANCE COMPANY | $223 | — | $223 | 3.20% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 253 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $148K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 182 | $275K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $105K |
| Other | HARTFORD LIFE AND ACCIDENT | 182 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.