| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES,LLC | 2103 CORAL WAY, SUITE 603 MIAMI, FL 33145 | AETNA HEALTH LNC. | — | — | $0 | 0.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY, SUITE 603 MIAMI, FL 33145 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PL MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 3.15% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 7.99% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICE | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 7.99% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVI | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| HUXMAN FINANCIAL SERVS LLC3 Filed as: HUXMAN FINANCIAL SERVICES LLC | 11767 S. DIXIE HIGHWAY #173 PINECREST, FL 33156 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 1,831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 402 | $2.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,831 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,831 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,831 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,831 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,831 | $1.2M |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 192 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,831 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.