| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULT3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | HEALTH OPTIONS | $36K | — | $36K | 5.97% |
| EMPLOYER BENEFITS CONSULT3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 6.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER MIAMI, FL 331721200 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER MIAMI, FL 33172 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $743 | — | $743 | 9.98% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 93 | $733K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $84K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $77K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $77K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 93 | $733K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.