| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 9415 SUNSET DR MIAMI, FL 33173 | AETNA HEALTH, INC. | $5K | $57K | $62K | 5.16% |
| HR BENEFITS SERVICES, INC.3 Filed as: H R BENEFITS SERVICES | 10446 NW 31ST TERRACE MIAMI, FL 33172 | AETNA HEALTH, INC. | — | $5K | $5K | 0.43% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $3K | $21K | 13.05% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.15% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | P.8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $7K | — | $7K | 9.10% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33172 | PROSPERITY LIFE GROUP | $2K | — | $2K | 2.42% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33176 | WELLFLEET | $9K | — | $9K | 22.58% |
| RICARDO GARCIA DIAZ3 | 3877 STEWARD AVE. MIAMI, FL 33133 | WELLFLEET | $4K | — | $4K | 10.52% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $4K | — | $4K | 10.52% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33172 | WELLFLEET | $4K | — | $4K | 9.97% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $3K | — | $3K | 6.50% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $1K | — | $1K | 6.52% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET | $975 | — | $975 | 5.54% |
| RICARDO GARCIA DIAZ3 | 3877 STEWARD AVE. MIAMI, FL 33133 | WELLFLEET | $418 | — | $418 | 2.37% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $418 | — | $418 | 2.37% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33172 | WELLFLEET | $370 | — | $370 | 2.10% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $2K | — | $2K | 22.67% |
| RICARDO GARCIA DIAZ3 | 3877 STEWARD AVE. MIAMI, FL 33133 | PROSPERITY LIFE GROUP | $940 | — | $940 | 10.53% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | PROSPERITY LIFE GROUP | $940 | — | $940 | 10.53% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33172 | PROSPERITY LIFE GROUP | $779 | — | $779 | 8.73% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET | $1K | — | $1K | 22.42% |
| RICARDO GARCIA DIAZ3 | 3877 STEWARD AVE. MIAMI, FL 33133 | WELLFLEET | $688 | — | $688 | 10.44% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $688 | — | $688 | 10.44% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33173 | WELLFLEET | $672 | — | $672 | 10.20% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $425 | — | $425 | 6.45% |
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) | AETNA HEALTH, INC. | 316 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $163K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $163K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $163K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $163K |
| Other(5 contracts, 2 carriers) | PROSPERITY LIFE GROUP | 148 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.