| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINETREE CAPITOL LLC3 | 2091 NE 36TH STREET #50401 LIGHTHOUSE PT, FL 33074 | HUMANA MEDICAL PLAN, INC. | $48K | $5K | $53K | 6.27% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | HUMANA MEDICAL PLAN, INC. | $5K | — | $5K | 0.54% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DRIVE # 102 CORAL SPRING, FM 33067 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.13% |
| PINETREE CAPITOL LLC3 | 2091 NE 36TH STREET #50401 LIGHTHOUSE PT, FL 33074 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.11% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | HUMANA INSURANCE COMPANY | $645 | — | $645 | 0.86% |
| PINETREE CAPITOL LLC3 | 2091 NE 36TH STREET #50401 LIGHTHOUSE PT, FL 33074 | COMPBENEFITS COMPANY | $660 | — | $660 | 9.19% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | COMPBENEFITS COMPANY | $56 | — | $56 | 0.78% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 118 | $843K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 227 | $82K |
| Vision | HUMANA INSURANCE COMPANY | 227 | $75K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $78K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $78K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $78K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.