| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINETREE CAPITOL LLC3 | 5511 N UNIVERSITY DRIVE STE 102 CORAL SPRINGS, FL 330674646 | HUMANA MEDICAL PLAN, INC. | $36K | — | $36K | 4.98% |
| PINETREE CAPITOL LLC3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRINGS, FL 330674646 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.49% |
| EMPHASIS BENEFITS3 | 511 N UNIVERSITY DRIVE # 102 CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $448 | — | $448 | 5.00% |
| EMPHASIS BENEFITS3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRING, FM 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| PINETREE CAPITOL LLC3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRINGS, FL 330674646 | COMPBENEFITS COMPANY | $332 | — | $332 | 5.87% |
| EMPHASIS BENEFITS3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $819 | — | $819 | 14.99% |
| EMPHASIS BENEFITS3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $630 | — | $630 | 15.01% |
| EMPHASIS BENEFITS3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRINGS, FL 33067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $276 | — | $276 | 14.98% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 99 | $732K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 84 | $56K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $50K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $13K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $9K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.