| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GELIN BENEFITS GROUP3 | 6750 N ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 333092180 | HUMANA MEDICAL PLAN, INC. | $25K | — | $25K | 5.51% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 088302716 | HUMANA MEDICAL PLAN, INC. | $2K | — | $2K | 0.50% |
| GELIN BENEFITS GROUP3 Filed as: GELIN BENEFITS GROUP, LLC | 6750 N ANDREWS AVE SUITE 200 FORT LAUDERDALE, FL 33309 | SOLSTICE BENEFITS, INC | $6K | — | $6K | 10.00% |
| GELIN BENEFITS GROUP3 Filed as: GELIN BENEFITS GROUP, LLC | 6750 N ANDREWS AVE SUITE 200 FORT LAUDERDALE, FL 33309 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 267 BROAD ST RED BANK, NJ 07701 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $336 | $823 | $1K | 7.04% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 66 | $455K |
| Dental | SOLSTICE BENEFITS, INC | 133 | $57K |
| Vision | SOLSTICE BENEFITS, INC | 133 | $57K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 234 | $16K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 234 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.