| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROTOCOL BENEFITS + INSURANCE3 Filed as: PROTOCOL BENEFITS & INSURANCE, LLC | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $52K | $52K | 6.91% |
| NATIONAL MARKETING GROUP SVCS, INC.3 Filed as: NATIONAL MARKETING GROUP SERVICES I | 7705 NW 48TH ST STE 100 DORAL, FL 33166 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.47% |
| SEABASS FINANCIAL3 Filed as: SEABASS FINANCIAL LLC | 101 NE 110TH ST MIAMI SHORES, FL 33161 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$87 | -$87 | -0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - FLORIDA | 6750 N ANDREWS AVE SUITE 125 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | -$91 | $0 | -$91 | -0.01% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | SOLSTICE BENEFITS, INC | $5K | $0 | $5K | 10.00% |
| NATIONAL MARKETING GROUP SVCS, INC.3 Filed as: NATIONAL MARKETING GROUP SERVICES | 7705 NW 48TH ST SUITE 100 DORAL, FL 33166 | SOLSTICE BENEFITS, INC | $1K | $0 | $1K | 3.00% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $5K | $0 | $5K | 11.99% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $3K | $0 | $3K | 6.68% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $868 | $0 | $868 | 1.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $239 | $0 | $239 | 0.53% |
| SEABASS FINANCIAL3 Filed as: SEABASS FINANCIAL CORPORATION | 101 NE 110 STREET MIAMI SHORES, FL 33161 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | -$37 | $0 | -$37 | -0.08% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 19.16% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 18.88% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 19.41% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $823 | $0 | $823 | 19.23% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $368 | $0 | $368 | 27.46% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | $0 | $259 | 19.33% |
| NIEVES IVELISSE3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 3.51% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | $0 | $179 | 32.49% |
| PROTOCOL BENEFITS + INSURANCE3 | 1040 BISCAYNE BLVD SUITE 4406 MIAMI, FL 33132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | $0 | $125 | 22.69% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $803K |
| Dental | SOLSTICE BENEFITS, INC | 162 | $50K |
| Vision | SOLSTICE BENEFITS, INC | 162 | $50K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $23K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34 | $7K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
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.