| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FREEWAY SUITE 1100 DALLAS, TX 75244 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS, INC. | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.04% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES | 2300 NORTHWEST CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | ALLSTATE BENEFITS | $5K | — | $5K | 17.81% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE INC | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | ALLSTATE BENEFITS | $2K | — | $2K | 8.69% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS, INC. | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COMPBENEFITS COMPANY | $2K | — | $2K | 9.79% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS, INC. | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| ASSUREDPARTNERS3 Filed as: BENFITS TECHNOLOGIES | 2300 NORTHWEST CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | ALLSTATE BENEFITS | $538 | — | $538 | 16.02% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE, INC. | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | ALLSTATE BENEFITS | $106 | — | $106 | 3.16% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 196 | $1.2M |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 41 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 76 | $11K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 235 | $63K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 235 | $63K |
| Other(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 235 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.