| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 301 E YAMATO RD BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6K | $61K | $55K | 5.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 9350 S DIXIE HIGHWAY MIAMI, FL 33156 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $13K | $19K | 1.79% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | GUARDIAN | $13K | $8K | $21K | 13.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3350 S DIXIE HIGHWAY MIAMI, FL 33133 | GUARDIAN | $5K | $0 | $5K | 3.14% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR TAMPA, FL 33607 | GUARDIAN | $1K | $0 | $1K | 0.89% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST BOSTON, MA 02111 | GUARDIAN | $565 | $0 | $565 | 0.35% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $1.1M |
| Dental | GUARDIAN | 130 | $160K |
| Vision | GUARDIAN | 130 | $160K |
| Life insurance | GUARDIAN | 130 | $160K |
| Short-term disability | GUARDIAN | 130 | $160K |
| Long-term disability | GUARDIAN | 130 | $160K |
| Other | GUARDIAN | 130 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.