| 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. | — | $30K | $30K | 3.74% |
| HR BENEFITS SERVICES, INC.3 Filed as: H R BENEFITS SERVICES | 10446 NW 31ST TERRACE MIAMI, FL 33172 | AETNA HEALTH, INC. | — | $4K | $4K | 0.55% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 10.13% |
| NESOLUTIONS, INC.3 | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.69% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES, INC | 10446 NW 31ST TER DORAL, FL 33172 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.43% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT CT. LAKEWOOD RANCH, FL 34240 | PROSPERITY LIFE GROUP | $487 | — | $487 | 13.28% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33172 | PROSPERITY LIFE GROUP | $235 | — | $235 | 6.41% |
| NE SOLUTIONS, INC.3 | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $158 | — | $158 | 4.31% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT CT LAKEWOOD RANCH, FL 34240 | PROSPERITY LIFE GROUP | $57 | — | $57 | 28.50% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33172 | PROSPERITY LIFE GROUP | $56 | — | $56 | 28.00% |
| NE SOLUTIONS, INC.3 | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $17 | — | $17 | 8.50% |
| RICARDO GARCIA DIAZ3 | 3877 STEWARD AVE. MIAMI, FL 33133 | PROSPERITY LIFE GROUP | $8 | — | $8 | 4.00% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | PROSPERITY LIFE GROUP | $8 | — | $8 | 4.00% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES | 10446 NW 31ST TERRACE DORAL, FL 33173 | WELLFLEET | $66 | — | $66 | 33.50% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT CT. LAKEWOOD RANCH, FL 34240 | WELLFLEET | $59 | — | $59 | 29.95% |
| NE SOLUTIONS, INC.3 | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET | $15 | — | $15 | 7.61% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $13 | — | $13 | 6.60% |
| RICARDO GARCIA DIAZ3 | 3877 STEWARD AVE. MIAMI, FL 33133 | WELLFLEET | $7 | — | $7 | 3.55% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $7 | — | $7 | 3.55% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 234 | $789K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $107K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $107K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $107K |
| Other(3 contracts, 2 carriers) | PROSPERITY LIFE GROUP | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.