| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AETNA HEALTH, INC. | — | $34K | $34K | 2.16% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AETNA LIFE INSURANCE CO. | $20K | — | $20K | 3.39% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 1.37% |
| J.M. BERENGUER & ASSOCIATES INC Filed as: BERENGUER GROUP | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $35K | — | $35K | 11.00% |
| THE SOUTHERN REGION LLC Filed as: THE SOUTHERN REGION | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 4.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 607 | $587K |
| Dental | AETNA LIFE INSURANCE CO. | 607 | $587K |
| Vision | AETNA LIFE INSURANCE CO. | 607 | $587K |
| Stop-loss / reinsurancereinsurance | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 176 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.