| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET SUITE G4 MIAMI, FL 33186 | AVMED | $15K | $15K | $30K | 1.98% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 2525 PONCE DE LEON BLVD SUITE 750 CORAL GABLES, FL 33134 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 2525 PONCE DE LEON BLVD SUITE 750 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 2525 PONCE DE LEON BLVD SUITE 750 CORAL GABLES, FL 33134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH STREET 2ND FLOOR MIAMI, FL 33155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH ST 2ND FLOOR MIAMI, FL 33155 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $15K | — | $15K | 78.19% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $15K | — | $15K | 75.46% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH ST 2ND FLOOR MIAMI, FL 33155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.17% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 7452 SW 48TH ST 2ND FLOOR MIAMI, FL 33155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $711 | — | $711 | 9.64% |
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 | 508 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 404 | $1.5M |
| Dental | UNION SECURITY INSURANCE COMPANY | 141 | $97K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $42K |
| Long-term disability | THE LINCOLN NATION LIFE INSURANCE COMPANY | 264 | $63K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.