| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGEL M. MOLINA3 | 6320 SW 25TH STREET MIAMI, FL 33155 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 10.65% |
| MOLINA BENEFITS CONSULTING, INC.3 | 6320 SW 25TH STREET MIAMI, FL 33155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| ANGEL M. MOLINA3 | 6320 SW 25TH STREET MIAMI, FL 33155 | AFLAC | $3K | $0 | $3K | 2.88% |
| MARIO C. ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $141 | $2K | 2.11% |
| MJ INSURANCE3 Filed as: CLARA BOBES AND VARIOUS AGENTS | 11313 SW 109TH ROAD, UNIT 61C MIAMI, FL 33176 | AFLAC | $1K | $232 | $1K | 1.56% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | AFLAC | $1K | $158 | $1K | 1.45% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $555 | $0 | $555 | 0.60% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $468 | $0 | $468 | 0.51% |
| MARIA E GADEA3 Filed as: MARIA E. GADEA | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $237 | $141 | $378 | 0.41% |
| ANGEL M. MOLINA3 | 6320 SW 25TH STREET MIAMI, FL 33155 | COMPBENEFITS COMPANY | $1K | $0 | $1K | 10.67% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 131 | $175K |
| Vision | HUMANA INSURANCE COMPANY | 131 | $164K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $185K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $185K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $93K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.