| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $85K | $96K | 5.51% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD SUITE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $11K | $37K | 2.12% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $8K | — | $8K | 14.92% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $7K | — | $7K | 14.92% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $4K | — | $4K | 15.06% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.17% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| AMG BRICKELL INC3 | 12864 BISCAYNE BLVD 194 NORTH MIAMI, FL 33181 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $379 | — | $379 | 2.28% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $2K | — | $2K | 14.91% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $499 | — | $499 | 6.25% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.82% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $488 | — | $488 | 14.94% |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $1.7M |
| Life insurance(3 contracts) | FLORIDA COMBINED LIFE | 344 | $39K |
| Short-term disability | FLORIDA COMBINED LIFE | 344 | $45K |
| Long-term disability | FLORIDA COMBINED LIFE | 344 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.