| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY E ABRAMOWITZ3 | 1160 KANE CONCOURSE SUTIE 605 BAY HARBOR ISLAND, FL 33154 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 5.48% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 12864 BISCAYNE BLVD 194 NORTH MIAMI, FL 33181 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.92% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE # 304 BAY HARBOR ISLANDS, FL 33154 | NEIGHBORHOOD HEALTH PARTNERSHIP | $37K | — | $37K | 4.18% |
| AMG BRICKELL INC3 | 12864 BISCAYNE BLVD # 194 MIAMI, FL 33181 | NEIGHBORHOOD HEALTH PARTNERSHIP | $11K | $592 | $12K | 1.31% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP, INC. | 1160 KANE CONCOURSE 305 BAY HARBOR ISLANDS, FL 33154 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE SUITE 305 BAY HARBOR ISLANDS, FL 33154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP, INC. | 1160 KANE CONCOURSE 305 BAY HARBOR ISLAND, FL 33154 | DELTA DENTAL | $751 | — | $751 | 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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.9M |
| Dental | DELTA DENTAL | 11 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 34 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $20K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.