| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL EMPLOYEE BENEFITS5 | 2010 NW 150TH AVE STE 200 PEMBROKE PINES, FL 33028 | HUMANA INSURANCE COMPANY | $108K | — | $108K | 2.85% |
| NATIONAL EMPLOYEE BENEFITS5 | 2010 NW 150TH AVE STE 200 PEMBROKE PINES, FL 33028 | EMPHESYS INSURANCE COMPANY | $40K | — | $40K | 3.21% |
| NATIONAL EMPLOYEE BENEFITS5 | 2010 NW 150TH AVE STE 200 PEMBROKE PINES, FL 33028 | EMPHESYS INSURANCE COMPANY | $367 | — | $367 | 5.39% |
| NATIONAL EMPLOYEE BENEFITS5 | 2010 NW 150TH AVE STE 200 PEMBROKE PINES, FL 33028 | HUMANA INSURANCE COMPANY | $33 | — | $33 | 3.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Other services; Direct payment from the plan; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.6M |
| NAT'L EMPLOYEE BENEFITS ADMIN-NEBA EIN 65-0498809 NONE | Claims processing; Insurance brokerage commissions and fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $702K |
| HORIZON ACTUARIAL SERVICES LLC EIN 26-1370698 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $506K |
| COSTCO HEALTH SOLUTIONS EIN 81-2865195 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $331K |
| SONYA HOWARD EIN 35-6028684 EMPLOYEE | Employee (plan); Plan Administrator; Direct payment from the plan Service code 14 | — | $179K |
| DELTA DENTAL PLAN OF INDIANA EIN 35-1545647 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $132K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Other investment fees and expenses; Recordkeeping fees; Other fees; Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Custodial (securities); Other commissions; Investment management fees paid indirectly by plan; Securities brokerage; Securities brokerage commissions and fees; Investment management fees paid directly by plan Service code 15 | — | $104K |
| MEDEXPERT INTERNATIONAL, INC. EIN 94-3360248 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services; Consulting (general) Service code 15 | — | $98K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $70K |
| AMANDA KELLER EIN 35-6028684 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| CYNTHIA PITMAN FORMER EMPLOYEE | Direct payment from the plan; Consulting (general) Service code 16 | 2828 EAST 45TH STREET INDIANAPOLIS, IN 46205 | $59K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $50K |
| LEDBETTER PARTNERS, LLC EIN 03-0599899 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| SUMMER HOWARD EIN 35-6028684 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| ARIELLE MARTIN EIN 35-6028684 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34K |
| EZ MAILING, LLC EIN 47-1320725 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $29K |
| KMR SYSTEMS EIN 13-3192128 NONE | Direct payment from the plan; Other services Service code 49 | — | $26K |
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 | 3,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,165 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,105 | $5.0M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 1,127 | $542K |
| Vision | HUMANA INSURANCE COMPANY | 1,127 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,127 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.