| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITAE GROUP LLC3 | 2655 S LE JEUNE RD STE 1108-8 CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $112K | $138K | 5.70% |
| VITAE GROUP LLC3 | 2655 S LE JEUNE RD ST 1108-8 CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | $0 | $76K | 9.14% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 10.00% |
| VITAE GROUP LLC3 | 2655 LEJEUNE ROAD STE 1108-8 CORAL GABLES, FL 33134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.81% |
| VITAE GROUP LLC3 | 2655 LEJEUNE ROAD STE 1108-8 CORAL GABLES, FL 33134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.96% |
| VITAE GROUP LLC3 | 2655 LEJEUNE ROAD STE 1108-8 CORAL GABLES, FL 33134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.30% |
| VITAE GROUP LLC3 | 2655 LEJEUNE ROAD STE 1108-8 CORAL GABLES, FL 33134 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.12% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $3.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $73K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.