| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS | 2250 SW 185 AVE HOLLYWOOD, FL 33029 | AVMED HEALTH | $30K | $5K | $34K | 5.19% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 9.99% |
| GROUP BENEFIT CONCETPS INC3 | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 7.99% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC | 2250 SW 185TH AVE MIRAMAR, FL 330290000 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.21% |
| GROUP BENEFIT CONCEPTS INC3 | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH | 181 | $664K |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 212 | $50K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 212 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $22K |
| Other | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 45 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.