| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND STREET STE 226 MIAMI, FL 331735494 | HUMANA MEDICAL PLAN, INC. | $38K | $7K | $44K | 7.38% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND ST STE 226 MIAMI, FL 331745494 | AFLAC | $16K | — | $16K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 5.99% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND ST MIAMI, FL 33173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.49% |
| HEIDI PITA-LEONCIO3 | 14861 SW 42ND TER MIAMI, FL 33185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| SANDRA VELAZQUEZ3 | 7400 SW 50TH TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.86% |
| JEFFREY ALAN COBURN3 | 1314 E LAS OLAS BLV UNIT 915 FORT LAUDERDALE, FL 33301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| LOURDES G LEVINSON3 | 831 SANTIAGO STREET CORAL GABLES, FL 33134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $947 | — | $947 | 2.09% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $774 | — | $774 | 1.71% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.40% |
| SHARON NEIMANIS3 Filed as: SHARON V K NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PATRICK R RUHLE3 | 102 BILTMORE BLVD MASSAPEQUA, NY 11728 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND ST STE 226 MIAMI, FL 331735494 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $744 | $3K | 12.87% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $702 | $702 | 6.69% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 127 | $602K |
| Dental | AFLAC | 318 | $155K |
| Vision | AFLAC | 318 | $155K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $11K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 524 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.