| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN AND ASSOCIATES INC. | 9320 SW 140TH ST. MIAMI, FL 33176 | NEIGHBORHOOD HEALTH PARTNERSHIP | $24K | $4K | $28K | 4.96% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 12864 BISCAYNE BLVD. #194 NORTH MIAMI BEACH, FL 33181 | NEIGHBORHOOD HEALTH PARTNERSHIP | $12K | — | $12K | 2.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 4 OVERLOOK PT. LINCOLNSHIRE, IL 33030 | NEIGHBORHOOD HEALTH PARTNERSHIP | $9K | — | $9K | 1.52% |
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN AND ASSOCIATES INC. | 9320 SW 140TH ST. MIAMI, FL 331766813 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 4 OVERLOOK PT. LINCOLNSHIRE, IL 600694302 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 1111 PARK CENTRE BLVD SUITE 401 MIAMI GARDENS, FL 331695344 | UNITEDHEALTHCARE INSURANCE COMPANY | $915 | — | $915 | 0.86% |
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN AND ASSOCIATES | 9320 SW 140TH STREET MIAMI, FL 33176 | UNITEDHEALTHCARE INSURANCE COMPANY | $210 | — | $210 | 0.20% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 168 | $679K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $106K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $106K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.