| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVENTURA INSURANCE GROUP, INC.3 | 3585 NE 207TH STREET, BAY 9 SUITE 800347 AVENTURA, FL 33180 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $176K | $196K | 6.43% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 1111 PARK CENTRE BOULEVARD SUITE 401 MIAMI GARDENS, FL 27825 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $8K | $41K | 1.35% |
| AVENTURA INSURANCE GROUP, INC.3 | 3585 NE 207TH STREET, BAY 9 SUITE 800347 AVENTURA, FL 33180 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.49% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 852 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 852 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 852 | $3.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $167K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $167K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $167K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 852 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 852 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.