| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD STE 139 PEMBROKE PINES, FL 33027 | UNITED HEALTH CARE INSURANCE COMPANY | — | $80K | $80K | 2.84% |
| SEE ATTACHED3 | — | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $25K | $13K | $38K | 14.33% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD PEMBROKE PINES, FL 33027 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 9.33% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD PEMBROKE PINES, FL 33027 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 10.43% |
| SEE ATTACHED3 | — | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $17K | $4K | $22K | 14.65% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD PEMBROKE PINES, FL 33027 | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 7.75% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 15757 PINES BLVD STE 139 PEMBROKE PINES, FL 33027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 506 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 351 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 506 | $166K |
| Vision | AETNA LIFE INSURANCE COMPANY | 506 | $166K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $52K |
| Other(2 contracts) | COLONIAL LIFE ACCIDENT INSURANCE COMPANY | 226 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
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.