| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NENEZIAN ASSOC INS AGY INC3 Filed as: NENEZIAN ASSOCI INS AGY INC | 5875 NW 163RD ST, NO. 207 MIAMI LAKES, FL 330145618 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| NSI INSURANCE GROUP LLC3 | 8181 NW 154TH ST, SUITE 230 MIAMI LAKES, FL 33016 | STANDARD INSURANCE COMPANY | $309 | — | $309 | 0.08% |
| CONSUMER GROUP SERVICES SELECT3 | 370 OCEAN BLVD., N. MIAMI, FL 33160 | COMPANION LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.69% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 163 ST, STE 207 MIAMI LAKES, FL 33014 | STANDARD INSURANCE COMPANY | $665 | — | $665 | 0.66% |
| NENEZIAN ASSOC INS AGY INC3 | 5875 NW 163RD ST, STE 207 MIAMI LAKES, FL 330145618 | STANDARD INSURANCE COMPANY | $4 | — | $4 | 0.00% |
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 | 555 | 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) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 555 | $127K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 540 | $496K |
| Other | COMPANION LIFE INSURANCE COMPANY | 555 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.