| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128 STREET MIAMI, FL 33186 | AETNA LIFE INSURANCE COMPANY | — | $91K | $91K | 5.96% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128 STREET MIAMI, FL 33186 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.16% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING L | 13200 SW 1ZBTH STREET SUITE G1 MIAMI, FL 33186 | GUARDIAN | $4K | $766 | $5K | 5.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNAYIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | GUARDIAN | $439 | — | $439 | 0.49% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST ST G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO | $12K | — | $12K | 18.05% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO | $10K | — | $10K | 15.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | — | $6K | $6K | 9.70% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | — | $5K | $5K | 7.59% |
| EMPLOYEE BENEFITS RESOURCES INC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.92% |
| EMPLOYEE BENEFITS RESOURCES INC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.91% |
| EMPLOYEE BENEFITS RESOURCES INC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $946 | — | $946 | 3.91% |
| EMPLOYEE BENEFITS RESOURCES INC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $603 | — | $603 | 3.79% |
| EMPLOYEE BENEFITS RESOURCES INC3 Filed as: EMPLOYEE BENEFITS RESOURCES | 13200 SE 128TH ST G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 18.04% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 15.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | — | $1K | $1K | 10.23% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | — | $900 | $900 | 7.06% |
| EMPLOYEE BENEFITS RESOURCES INC3 Filed as: EMPLOYEE BENEFITS RESOURCES | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10368 W STATE ROAD 84 STE 201 DAVIE, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $377 | — | $377 | 3.77% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 294 | $1.5M |
| Dental | GUARDIAN | 137 | $90K |
| Vision | GUARDIAN | 137 | $90K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $45K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $31K |
| Other(5 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO | 136 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.