| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 6.00% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | HUMANA MEDICAL PLAN | $41K | — | $41K | 7.05% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $19K | — | $19K | 12.00% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | COMPBENEFITS COMPANY | $14K | — | $14K | 12.44% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD SUITE A200 FT. LAUDERDALE, FL 33312 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| BAFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $8K | — | $8K | — |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING ROAD, SUITE A200 FT. LAUDERDALE, FL 33312 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $8K | — | $8K | — |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $1.4M |
| Dental(2 contracts, 2 carriers) | COMPBENEFITS COMPANY | 181 | $150K |
| Vision | HUMANA INSURANCE COMPANY | 181 | $39K |
| Other | MANHATTAN LIFE ASSURANCE CO OF AMERICA | 119 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.