| 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 | $66K | — | $66K | 4.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE MIAMI, FL 331720000 | SOLSTICE BENEFITS, INC | $10K | — | $10K | 10.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER MIAMI, FL 331721200 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.16% |
| 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 | $2K | — | $2K | 4.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 331721200 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 8.02% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 199 | $1.7M |
| Dental | SOLSTICE BENEFITS, INC | 314 | $96K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $69K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $69K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 199 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $69K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.