| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUST IN TIME EDUCATION & TECH3 Filed as: JUST IN TIME EDUCATION AND TECH | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 5.70% |
| MYRIAD FINANCIAL SVICS OF VA LLC3 Filed as: MYRIAD FINANCIAL SERVICES OF VA LLC | 250 WYLDEROSE CMNS SUITE 2016 MIDLOTHIAN, VA 16230 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 9.47% |
| JUST IN TIME EDUCATION & TECH3 Filed as: JUST IN TIME EDUCATION AND TECH | 153 E FLAGLER ST STE 228 MIAMI, FL 32030 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.14% |
| JOHN THOMAS LETO3 | 153 E FLAGLER ST STE 228 MIAMI, FL 32030 | UNITEDHEALTHCARE INSURANCE COMPANY | $400 | $0 | $400 | 0.54% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $74K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $74K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $74K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $176K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $176K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $176K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
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.