| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITEDHEALTHCARE INSURANCE COMPANY | $122K | — | $122K | 8.75% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $99K | $0 | $99K | 11.04% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $75K | $0 | $75K | 11.19% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $58K | $0 | $58K | 11.11% |
| DIRECTPATH, LLC3 | PO BOX 366 BIRMINGHAM, AL 352010366 | RELIASTAR LIFE INSURANCE COMPANY | $41K | $0 | $41K | 8.50% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | RELIASTAR LIFE INSURANCE COMPANY | $41K | $0 | $41K | 8.50% |
| DIRECTPATH, LLC3 | 120 18TH STREET SO STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $4K | $40K | 31.48% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.10% |
| DIRECTPATH, LLC3 | 120 18TH STREET SO STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $520 | $0 | $520 | 30.68% |
| DIRECTPATH, LLC3 | 120 18TH STREET SO STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | $0 | $108 | 8.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.8M |
| INTEGRATED HEALTH CONCEPTS EIN 76-0622653 CONSULTING | Consulting (general); Consulting fees Service code 16 | 11111 WILCREST GREEN DRIVE HOUSTON, TX 77042 | $0 |
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 | 11,260 | 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) | 11,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,746 | $309K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 9,667 | $801K |
| Short-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 11,077 | $1.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 11,260 | $521K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 5,176 | $1.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 9,667 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,260 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.