| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | AVMED | $45K | $9K | $54K | 5.54% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TERRACE DORAL, FL 33172 | HUMANA INSURANCE COMPANY | $4K | $111 | $4K | 6.19% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.12% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $665 | $4K | 12.06% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $821 | $3K | 13.14% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31ST TER DORAL, FL 33172 | AMERIAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.39% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AMERIAN HERITAGE LIFE INSURANCE COMPANY | $970 | — | $970 | 4.88% |
| THE BAILEY GROUP3 Filed as: BAILEY MARK F | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AMERIAN HERITAGE LIFE INSURANCE COMPANY | $516 | — | $516 | 2.60% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $433 | $2K | 13.14% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 7.99% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 116 | $972K |
| Dental | HUMANA INSURANCE COMPANY | 181 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 181 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $26K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
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.