| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT CHRISTOPHER CANTIN3 | 11286 SW 92ND PLACE MIAMI, FL 33176 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $95K | $95K | 4.04% |
| NATIONAL MARKETING GROUP SVCS, INC.3 | 7705 NW 48TH STREET, SUITE 100 DORAL, FL 33166 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $24K | $24K | 1.04% |
| SCC INSURANCE3 | 8436 SOUTH DIXIE HIGHWAY MIAMI, FL 33143 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 6.48% |
| NATIONAL MARKETING GROUP SVCS, INC.3 Filed as: NATIONAL MARKETING | 7705 NW 48TH STREET, SUITE 100 MIAMI, FL 33166 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.10% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $397K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $397K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $397K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $397K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $397K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 619 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.
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.