No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL EMPLOYEE BENEFITS ADMIN EIN 65-0498809 | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.4M |
| HST TECHNOLOGY SOLUTIONS EIN 65-0862410 | Direct payment from the plan; Other fees Service code 50 | 520 BRICKELL KEY DR SUITE 204 MIAMI, FL 33131 | $401K |
| HORIZON ACTUARIAL SERVICES LLC EIN 26-1370698 | Direct payment from the plan; Actuarial Service code 11 | — | $175K |
| MED EXPERT | Other insurance fees and expenses; Direct payment from the plan; Claims processing Service code 12 | 1300 HANCOCK ST REDWOOD CITY, CA 94063 | $151K |
| LAPADULA CARLSON & CO. EIN 65-0292391 | Accounting (including auditing); Direct payment from the plan Service code 10 | 550 BILTMORE WAY SUITE 1200 CORAL GABLES, FL 33134 | $80K |
| TOP DRAWER MEDIA EIN 20-8789452 | Other fees; Direct payment from the plan Service code 50 | 5190 NW 165TH ST HIALEAH, FL 33014 | $52K |
| GODWIN, MORRIS, LAURENZI & BLOOMFIE EIN 62-1371542 | Legal; Direct payment from the plan Service code 29 | — | $36K |
| SEGAL SELECT INSURANCE SERVICE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | 11555 HERON BAY BLVD SUITE 200 CORAL SPRINGS, FL 33076 | $26K |
| SMART DATA SOLUTIONS | Other fees; Direct payment from the plan Service code 50 | 960 BLUE GENTIAN RD EAGEN, MN 55121 | $9K |
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 | 9,970 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA DENTAL | 3,547 | $836K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. | 3,547 | $176K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,547 | $171K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 3,547 | $479K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 3,547 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,547 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.