| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER'S BENEFIT PLANNING3 | 14331 COMMERCE WAY MIAMI LAKES, FL 33016 | COVENTRY HEALTHCARE OF FLORIDA, INC. | $10K | $0 | $10K | 3.14% |
| MDW INSURANCE GROUP INC.3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | COVENTRY HEALTHCARE OF FLORIDA, INC. | $6K | $0 | $6K | 2.05% |
| EMPLOYERS BENEFIT PLANNING GROUP3 Filed as: EMPLOYERS BENEFIT PLANNING GROUP 1 | 14331 COMMERCE WAY MIAMI LAKES, FL 33016 | COMPBENEFITS | $3K | $0 | $3K | 9.41% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTHCARE OF FLORIDA, INC. | 105 | $305K |
| Dental | COMPBENEFITS | 101 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.