| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SVCS., LLC | 2301 NW 87TH AVENUE, SUITE 401 DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $299 | — | $299 | 0.68% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.30% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST FINANCIAL, INC. | 14900 NW 79TH COURT, SUITE 200 MIAMI LAKES, FL 33016 | TRANSAMERICA LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.15% |
| MAIN STREET INSURANCE BROKERS, INC.3 | 10601 NW 18 COURT PLANTATION, FL 33322 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SVCS., LLC | 2103 CORAL WAY, SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.26% |
| CENTURY ADVISORY SERVICES, INC.3 Filed as: CENTURY RISK ADVISORS | 1900 NW CORPORATE BOULEVARD SUITE 400E BOCA RATON, FL 33431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $409 | $0 | $409 | 2.74% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $15K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 262 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.