| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 9.00% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 1111 PARK CENTER BLVD SUITE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 3.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - SOUTH FL | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $809 | — | $809 | 0.45% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 190461012 | FLORIDA COMBINED LIFE | $11K | — | $11K | 13.82% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 190461012 | FLORIDA COMBINED LIFE | $8K | — | $8K | 13.93% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 190461012 | FLORIDA COMBINED LIFE | $5K | — | $5K | 14.02% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 190461012 | FLORIDA COMBINED LIFE | $2K | — | $2K | 13.91% |
| 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 | $464 | — | $464 | 3.31% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-JULI | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $278 | — | $278 | 1.98% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD SUITE 401 MIAMI, FL 33169 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $256 | — | $256 | 1.83% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $256 | — | $256 | 1.83% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | ALLSTATE BENEFITS | $310 | — | $310 | 4.50% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | ALLSTATE BENEFITS | $273 | — | $273 | 4.51% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 190461012 | FLORIDA COMBINED LIFE | $515 | — | $515 | 13.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 TPA | Other services; Claims processing Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $294K |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 427 | $180K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 427 | $180K |
| Life insurance(2 contracts) | FLORIDA COMBINED LIFE | 425 | $48K |
| Short-term disability | FLORIDA COMBINED LIFE | 425 | $61K |
| Long-term disability | FLORIDA COMBINED LIFE | 425 | $79K |
| Other(6 contracts, 3 carriers) | FLORIDA COMBINED LIFE | 425 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.