| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURNACE, LLC | 1040 BISCYANE BLVD SUITE 4406 MIAMI, FL 33132 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.14% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURNACE LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 11.92% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 8.89% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 6.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 1700 WEST MT PLEASANT ST WEST BURLINGTON, IA 52655 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 5.30% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BEENFITS & INSURANCE LLC | 1040 BISCYANE BLVD SUITE 4406 MAIMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE LLC | 1040 BISCYANE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 20.01% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $755 | — | $755 | 23.87% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $559 | — | $559 | 17.67% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.89% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $445 | — | $445 | 23.08% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE LLC | 1040 BISCYANE BLVD SUITE 4406 MIAMI, FL 33132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | $0 | $296 | 15.35% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.16% |
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROTOCOL BENEFITS & INSURNACE, LLC EIN 84-3197582 BROKER | Insurance agents and brokers Service code 22 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | $55K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 157 | $948K |
| Dental | AETNA LIFE INSURANCE COMPANY | 157 | $889K |
| Vision | AETNA LIFE INSURANCE COMPANY | 157 | $889K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $11K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30 | $10K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 12 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.