| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | HEALTH OPTIONS, INC. | $52K | — | $52K | 4.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 4.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE MIAMI, FL 33172 | SOLSTICE BENEFITS, INC | $10K | — | $10K | 10.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $392 | $3K | 11.34% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $364 | $3K | 11.35% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $139 | $2K | 10.71% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $11K |
| Dental | SOLSTICE BENEFITS, INC | 159 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 150 | $1.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.