| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET SUITE G1 MIAMI, FL 331865831 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $113K | $113K | 6.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $24K | — | $24K | 12.50% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT LAKEWOOD RANCH, FL 34240 | PROSPERITY LIFE GROUP | $23K | — | $23K | 12.07% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH COURT MIAMI, FL 33143 | PROSPERITY LIFE GROUP | $536 | — | $536 | 0.28% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVENUE MIAMI, FL 33133 | PROSPERITY LIFE GROUP | $536 | — | $536 | 0.28% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | SOLSTICE BENEFITS, INC | $16K | — | $16K | 12.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | WELLFLEET | $7K | — | $7K | 32.50% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT LAKEWOOD RANCH, FL 34240 | WELLFLEET | $3K | — | $3K | 16.54% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVENUE MIAMI, FL 33133 | WELLFLEET | $2K | — | $2K | 11.26% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH COURT MIAMI, FL 33143 | WELLFLEET | $2K | — | $2K | 11.26% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | — | $472 | 10.00% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $1.9M |
| Dental | SOLSTICE BENEFITS, INC | 269 | $133K |
| Vision | SOLSTICE BENEFITS, INC | 269 | $133K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $5K |
| Other(3 contracts, 3 carriers) | PROSPERITY LIFE GROUP | 322 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.