| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: H R BENEFITS SERVICES | 10446 NW 31ST TERRACE MIAMI, FL 33116 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $50K | $50K | 3.82% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 Filed as: PLANMEDICA HEALTHCARE SOLUTIONS, LL | PO BOX 164606 MIAMI, FL 33116 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.30% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34249 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | — | $14K | 8.99% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 7.99% |
| HR BENEFITS SERVICES, INC.3 Filed as: H R BENEFITS SERVICES | 10446 NW 31ST TERRACE MIAMI, FL 331721200 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $77 | $10K | 9.22% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | PO BOX 164606 MIAMI, FL 33116 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $914 | — | $914 | 0.81% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | P O BOX 164606 MIAMI, FL 33116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.78% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.23% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31ST TERR DORAL, FL 33172 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.91% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $113K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $113K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 169 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.