| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 | 2250 SW 185 AVE MIRAMAR, FL 33029 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $119K | $134K | 6.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | -$262 | $6K | 14.35% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET 10TH FLOOR CHICAGO, IL 60601 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.51% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.79% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $1.9M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 161 | $38K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $67K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $67K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 161 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.