| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | AETNA HEALTH, INC. | $17K | — | $17K | 5.35% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | AETNA HEALTH, INC. | — | $10K | $10K | 5.04% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G MIAMI, FL 33186 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 17.72% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SUNSET DR #226 MIAMI, FL 33173 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $843 | — | $843 | 11.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $350 | — | $350 | 4.98% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 0 | $492 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $93K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $93K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $93K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $93K |
| Other | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 11 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
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.