| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395946 | BLUE CROSS BLUE SHIELD OF FLORIDA | $82K | — | $82K | 5.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HEALTH OPTIONS | $12K | — | $12K | 5.06% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIRCLE, STE. 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 9.65% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $593 | — | $593 | 0.47% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 607 CORAL GABLES, FL 33134 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $1K | $14K | 12.28% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | STARMOUNT LIFE INSURANCE COMPANY | $425 | — | $425 | 0.36% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 607 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $8K | 15.45% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.14% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 2600 S DOUGLAS RD STE 607 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $611 | $5K | 13.38% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $797 | $797 | 2.27% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIRCLE, STE 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $149 | $3K | 15.75% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 0.38% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIR., STE. 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.75% |
| 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% |
| GOLUB, JOSEF ABRAHAM3 | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.75% |
| AMERICAN HEALTH ACCESS INC3 | 255 ALHAMBRA CIR STE 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.45% |
| P. FINANCIAL, INC. DBA PFLEGER3 | 255 ALHAMBRA CIR STE 1200 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.38% |
| P. FINANCIAL, INC. DBA PFLEGER3 Filed as: P. FINANCIAL, INC. DBA PFLEGER FINA | 255 ALHAMBRA CIR STE 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 2.43% |
| GOLUB, JOSEF ABRAHAM3 | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.57% |
| AMERICAN HEALTH ACCESS INC3 | 255 ALHAMBRA CIR STE 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.14% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $1.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 122 | $117K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 75 | $12K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $146K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $125K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $1.8M |
| Other(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.