| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A & E BENEFIT SOLUTIONS, LLC3 | 832 COVENTRY STREET BOCA RATON, FL 33487 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 8.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.43% |
| ADVANCED FINANCIAL GROUP3 | 3250 N 29TH AVENUE HOLLYWOOD, FL 33020 | AETNA LIFE INSURANCE CO. | $0 | — | $0 | 0.00% |
| KAHN CARLIN AND COMPANY INC3 | 3350 S. DIXIE HIGHWAY MIAMI, FL 33133 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 13.46% |
| A & E BENEFITS GROUP LLC3 | 832 COVENTRY STREET BOCA RATON, FL 33487 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $990 | — | $990 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| A & E BENEFIT SOLUTIONS, LLC BROKER | Insurance agents and brokers Service code 22 | 832 COVENTRY STREET BOCA RATON, FL 33487 | $67K |
| USI INSURANCE SERVICES LLC BROKER | Insurance agents and brokers Service code 22 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | $20K |
| DIVERSIFIED ADMINISTRATION, INC. EIN 65-0362462 FSA ADMINISTRATOR | Contract Administrator Service code 13 | 6161 WASHINGTON STREET HOLLYWOOD, FL 33023 | $6K |
| ADVANCED FINANCIAL GROUP BROKER | Insurance agents and brokers Service code 22 | 3250 N 29TH AVENUE HOLLYWOOD, FL 33020 | $0 |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 157 | $48K |
| Vision | AETNA LIFE INSURANCE CO. | 157 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $10K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 117 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.