| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 Filed as: PLANMEDICA HEALTHCARE SOLUTIONS, LL | PO BOX 164606 MIAMI, FL 33116 | AVMED HEALTH PLANS | $38K | — | $38K | 4.29% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | P O BOX 164606 MIAMI, FL 33116 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.95% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.02% |
| PHILIP E ZELMAN3 | 11440 SW 102TH COURT MIAMI, FL 33176 | TRANSAMERICA LIFE INSURANCE COMPANY | $96 | — | $96 | 0.08% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | PO BOX 164606 MIAMI, FL 33116 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | — |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH PLANS | 272 | $876K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 190 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 190 | $0 |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 122 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.