| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN HEALTH ACCESS INC3 | 255 ALHAMBRA CIRCLE SUITE 1200 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.18% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIRCLE, STE. 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $910 | $11K | 9.50% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIRCLE, STE 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $128 | $3K | 17.63% |
| AMERICAN HEALTH ACCESS INC3 Filed as: AMERICAN HEALTH ACCESS, INC. | 255 ALHAMBRA CIRCLE, STE. 1200 CORAL GABLES, FL 33134 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIR., STE. 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $31 | $2K | 16.81% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 145 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $127K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 92 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $127K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $112K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 145 | $2.0M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.