| 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 | AVMED | $50K | $13K | $62K | 4.61% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 7.96% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34249 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 7.29% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - JULI | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.99% |
| HR BENEFITS SERVICES, INC.3 Filed as: H R BENEFITS SERVICES | 10446 NW 31ST TERRACE MIAMI, FL 331721200 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 10.33% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | P O BOX 164606 MIAMI, FL 33116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.37% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.56% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31ST TERR DORAL, FL 33172 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $552 | — | $552 | 1.41% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 258 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 269 | $112K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 269 | $112K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 156 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.