| 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. | $169K | — | $169K | 8.10% |
| JORGE ESCALA3 | 2450 SW 102ND PL MIAMI, FL 33165 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.92% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128 STREET BLDG G MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 15.00% |
| EXCELSIOR BENEFITS LLC | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $14K | — | $14K | 18.04% |
| JORGE ESCALA | 2450 SW 102ND PL MIAMI, FL 33165 | TRANSAMERICA INSURANCE CO. | $12K | — | $12K | 15.04% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 8.59% |
| AMWINS Filed as: AMWINS GROUP BENEFITS LLC | 7313 MERCHANT CT SARASOTA, FL 34240 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 6.23% |
| IMPACT INTERACTIVE LLC | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 2.47% |
| EQUITABLE NETWORK LLC3 | 280 S 400 W STE 100 SALT LAKE CITY, UT 84101 | PRINCIPAL LIFE INSURANCE COMPANY | $195 | — | $195 | — |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 284 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $162K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 181 | $180K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 181 | $102K |
| Other | HARTFORD LIFE AND ACCIDENT | 181 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.