| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | HEALTHPLANS, INC. | $88K | $0 | $88K | 35.94% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD SUITE 401 MIAMI GARDENS, FL 33169 | HEALTHPLANS, INC. | $29K | — | $29K | 11.74% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $7K | $22K | 14.69% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 1111 PARK CENTER BLVD SUITE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $921 | $17K | 11.35% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $7K | — | $7K | 15.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $6K | — | $6K | 15.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $3K | — | $3K | 15.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 7.98% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $512 | — | $512 | 2.98% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD SUITE 401 MIAMI, FL 33169 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $341 | — | $341 | 1.98% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - JULI | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $341 | — | $341 | 1.98% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $341 | — | $341 | 1.98% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $2K | — | $2K | 14.99% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 4.81% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | — | $379 | 5.21% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $423 | — | $423 | 14.99% |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPLANS, INC. | 303 | $244K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $147K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $147K |
| Life insurance(2 contracts) | FLORIDA COMBINED LIFE | 426 | $33K |
| Short-term disability | FLORIDA COMBINED LIFE | 426 | $44K |
| Long-term disability | FLORIDA COMBINED LIFE | 426 | $41K |
| Other(4 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 106 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.