| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NE SOLUTIONS INC3 Filed as: NE SOLUTIONS, INC. | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | AVMED | $70K | $30K | $100K | 10.74% |
| NE SOLUTIONS INC3 Filed as: NE SOLUTIONS, INC. | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $3K | $20K | 15.20% |
| NE SOLUTIONS INC3 Filed as: NE SOLUTIONS | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $9K | — | $9K | 12.00% |
| NE SOLUTIONS INC3 | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 16.97% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT CT. LAKEWOOD RANCH, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 10.38% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 190 | $931K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $133K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $133K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $133K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $133K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $133K |
| Other(2 contracts, 2 carriers) | PROSPERITY LIFE GROUP | 98 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.