| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 | 10360 SW 186TH ST MIAMI, FL 331975001 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $46K | $46K | 6.38% |
| GROUP BENEFIT CONCEPTS INC3 | 18459 PINES BLVD STE 220 PEMBROKE PINES, FL 330291400 | UNITED HEALTHCARE | $20K | — | $20K | 5.16% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET 10TH FLOOR CHICAGO, IL 60601 | GUARDIAN | $5K | — | $5K | 13.63% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DR MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSUSLTING INC | 1001 BRICKELL BAY DR MIAMI, FL 33131 | THE LINCOLM NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $62K |
| AON CONSULTING INC - MIAMI EIN 36-4254410 BROKER | Other commissions Service code 55 | — | $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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 306 | $1.1M |
| Dental | UNITED HEALTHCARE | 306 | $387K |
| Vision | UNITED HEALTHCARE | 306 | $387K |
| Life insurance | GUARDIAN | 169 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $25K |
| Long-term disability | THE LINCOLM NATIONAL LIFE INSURANCE COMPANY | 95 | $22K |
| Other | GUARDIAN | 169 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.