| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 4 OVERLOOK PT. LINCOLNSHIRE, IL 60069 | NEIGHBORHOOD HEALTH PARTNERSHIP | $6K | — | $6K | 5.90% |
| HELMAN & ASSOC INC.3 Filed as: HELMAN & ASSOC. INC. | 8000 GOVERNORS SQUARE BLVD. SUITE 301 MIAMI, FL 33018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $910 | — | $910 | 1.61% |
| HELLMAN & ASSOCIATES INC.3 | 8000 GOVERNORS SQUARE BLVD. SUITE 301 MIAMI LAKES, FL 33016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DR. S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 4 OVERLOOK PT. LINCOLNSHIRE, IL 600694302 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.75% |
| HELLMAN & ASSOCIATES INC.3 | 8000 GOVERNORS SQUARE BLVD. SUITE 301 MIAMI LAKES, FL 33016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DR. S BLDG C SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $453 | — | $453 | 3.24% |
| HELLMAN & ASSOCIATES INC.3 | 8000 GOVERNORS SQUARE BLVD. SUITE 301 MIAMI LAKES, FL 33016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $241 | — | $241 | 10.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DR. S BLDG. C SUITE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $105 | — | $105 | 4.55% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 183 | $123K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $19K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
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.