| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGEL M. MOLINA3 Filed as: ANGEL M MOLINA | 6320 SW 25TH ST MIAMI, FL 33155 | HUMANA | $78K | $0 | $78K | 5.12% |
| ANGEL M. MOLINA3 | 6320 SW 25TH STREET MIAMI, FL 33155 | AFLAC | $7K | $0 | $7K | 5.32% |
| MJ INSURANCE3 Filed as: MARTA SASTRE AND VARIOUS AGENTS | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $4K | $310 | $4K | 3.52% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $3K | $216 | $4K | 2.92% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | AFLAC | $3K | $371 | $4K | 2.80% |
| MELANIE MANES SANCHEZ IZNAOLA3 | 3135 NE 184TH STREET NORTH MIAMI, FL 33160 | AFLAC | $1K | $0 | $1K | 1.12% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1K | $160 | $1K | 1.02% |
| MARIA E GADEA3 | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $855 | $0 | $855 | 0.68% |
| ANGEL M. MOLINA3 Filed as: ANGEL M MOLINA | 6320 SW 25TH ST MIAMI, FL 33155 | HUMANA | $11K | $0 | $11K | 9.17% |
| MOLINA BENEFITS CONSULTING, INC.3 Filed as: MOLINA BENEFITS CONSULTING INC. | 6320 SW 25TH ST MIAMI, FL 33155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MOLINA BENEFITS CONSULTING, INC.3 Filed as: MOLINA BENEFITS CONSULTING INC. | 6320 SW 25TH ST MIAMI, FL 33155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MOLINA BENEFITS CONSULTING, INC.3 Filed as: MOLINA BENEFITS CONSULTING INC. | 6320 SW 25TH ST MIAMI, FL 33155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.88% |
| MOLINA BENEFITS CONSULTING, INC.3 Filed as: MOLINA BENEFITS CONSULTING INC. | 6320 SW 25TH ST MIAMI, FL 33155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| ANGEL M. MOLINA3 Filed as: ANGEL M MOLINA | 6320 SW 25TH ST MIAMI, FL 33155 | HUMANA | $1K | $0 | $1K | 9.04% |
| ANGEL M. MOLINA3 Filed as: ANGEL M MOLINA | 6320 SW 25TH ST MIAMI, FL 33155 | HUMANA | $729 | $0 | $729 | 9.03% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA | 176 | $1.7M |
| Dental(2 contracts) | HUMANA | 127 | $129K |
| Vision | HUMANA | 118 | $11K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 346 | $170K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 125 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $26K |
| Prescription drug | HUMANA | 176 | $1.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.