| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 STREET SUITE G1 MIAMI, FL 33186 | HEALTH OPTIONS, INC | $69K | — | $69K | 5.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH STREET 2ND FLOOR MIAMI, FL 33155 | THE LINCOLN NATIONAL LIFE INSUREANCE COMPANY | $15K | $2K | $17K | 11.48% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH ST 2ND FLOOR MIAMI, FL 33155 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | — | $14K | 9.90% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 4.32% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH STREET 2ND FLOOR MIAMI, FL 33155 | THE LINCOLN NATIONAL LIFE INSUREANCE COMPANY | $3K | $424 | $3K | 11.48% |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC | 432 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSUREANCE COMPANY | 439 | $149K |
| Vision | THE LINCOLN NATIONAL LIFE INSUREANCE COMPANY | 440 | $29K |
| Prescription drug | HEALTH OPTIONS, INC | 432 | $1.4M |
| Other | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 181 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.