| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | 5281 SOUTHWEST 14TH STREET PLANTATION, FL 33317 | AVMED | $27K | $5K | $32K | 7.03% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS LLC | 5281 SOUTHWEST 14TH STREET PLANTATION, FL 33317 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 10.53% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | — | $225 | $225 | 0.66% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS LLC | 5281 SOUTHWEST 14TH STREET PLANTATION, FL 33317 | COMPBENEFITS COMPANY | $621 | — | $621 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | COMPBENEFITS COMPANY | — | $96 | $96 | 1.54% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 100 | $459K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 99 | $40K |
| Vision | HUMANA INSURANCE COMPANY | 99 | $34K |
| Life insurance | HUMANA INSURANCE COMPANY | 99 | $34K |
| Other | HUMANA INSURANCE COMPANY | 99 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.