| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HELMAN & ASSOCIATES INC3 | 9320 SW 140TH ST MIAMI, FL 33176 | HEALTH OPTIONS | $78K | — | $78K | 6.00% |
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN & ASSOCIATES, INC. | 9320 SW 140TH ST. MIAMI, FL 33176 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $2K | $2K | 2.32% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST., STE. G1 MIAMI, FL 33186 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $303 | $303 | 0.39% |
| HELMAN & ASSOCIATES INC3 | 9320 SW 140TH ST MIAMI, FL 33176 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 6.00% |
| RJ O'BRIEN CLU INC3 | 5540 SW 85ST MIAMI, FL 33143 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 10.51% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES, INC. | 10446 NW 31 TER DORAL, FL 33172 | UNION SECURITY INSURANCE COMPANY | $783 | — | $783 | 2.93% |
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN & ASSOCIATES, INC. | 9320 SW 140TH ST. MIAMI, FL 33176 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $1K | $1K | 11.30% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 160 | $1.4M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 126 | $79K |
| Life insurance | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 183 | $12K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 16 | $27K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 160 | $1.4M |
| Other | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 183 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.