| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FIN CONSULTANTS, INC3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | HUMANA MEDICAL PLAN, INC | $87K | — | $87K | 64.61% |
| ASSOC FIN'L CONS INC.3 Filed as: ASSOC FIN CONSULTANTS, INC. | 2699 STIRLING ROAD, SUITE A200 FT. LAUDERDALE, FL 33312 | COMPBENEFITS COMPANY | $7K | — | $7K | 8.20% |
| ASSOC FIN'L CONS INC.3 Filed as: ASSOC FIN CONSULTANTS, INC | 2699 STIRLING ROAD, SUITE A200 FT. LAUDERDALE, FL 33312 | HUMANA HELTH INSURANCE COMPANY OF FLORIDA, INC. | $3K | — | $3K | 6.62% |
| ASSOCIATED FIN CONSULTANTS, INC3 Filed as: ASSOCIATED FIN CONSULTANTS, INC. | 2699 STIRLING ROAD, SUITE A200 FT. LAUDERDALE, FL 33312 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD, SUITE A200 FT. LAUDERDALE, FL 33312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.84% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD, SUITE A200 FT. LAUDERDALE, FL 33312 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| THE SOUTHERN REGION LLC3 Filed as: SOUTHERN REGION LLC-PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| THE SOUTHERN REGION LLC3 Filed as: SOUTHERN REGION LLC | 7313 MERCHANT COURT SARASOTA, FL 32420 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | — |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC | 157 | $135K |
| Dental(2 contracts, 2 carriers) | COMPBENEFITS COMPANY | 158 | $126K |
| Vision | HUMANA INSURANCE COMPANY | 158 | $36K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $23K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $23K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.