| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE STE 118 WESTON, FL 33331 | AVMED | $63K | $63K | $126K | 8.69% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE WESTON, FL 33331 | AETNA | $10K | $11K | $21K | 2.39% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE STE 118 WESTON, FL 33331 | AVMED | — | — | $0 | 0.00% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE STE 118 WESTON, FL 33331 | SOLSTICE BENEFITS INC | $21K | — | $21K | 12.31% |
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 | 672 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AVMED | 672 | $2.8M |
| Dental | SOLSTICE BENEFITS INC | 713 | $170K |
| Vision | SOLSTICE BENEFITS INC | 713 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.