| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 331865831 | BLUE CROSS BLUE SHIELD OF FLORIDA | $65K | — | $65K | 4.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE MIAMI, FL 331720000 | SOLSTICE BENEFITS, INC | $11K | — | $11K | 10.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 331865831 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER MIAMI, FL 331721200 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $14K | 21.38% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 331721200 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $705 | $2K | 13.40% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 206 | $1.7M |
| Dental(2 contracts, 2 carriers) | SOLSTICE BENEFITS, INC | 314 | $178K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $68K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 206 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
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.