| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 Filed as: PLANMEDICA HEALTHCARE SOLUTIONS, LL | P O BOX 164606 MIAMI, FL 33116 | AVMED HEALTH PLANS | $30K | — | $30K | 3.69% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | PO BOX 164606 MIAMI, FL 33116 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.82% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | P O BOX 164606 MIAMI, FL 33116 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 8.89% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| PHILIP E ZELMAN3 | 11440 SW 102TH COURT MIAMI, FL 33176 | TRANSAMERICA LIFE INSURANCE COMPANY | $92 | — | $92 | 0.11% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH PLANS | 232 | $821K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $98K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $98K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 85 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.