| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RGL INS AGCY INC3 | 1000 W MCNAB ROAD STE 241 POMPANO BEACH, FL 330694719 | HUMANA MEDICAL PLAN INC | $45K | — | $45K | 5.98% |
| RGL INSURANCE AGENCY3 | 1000 W MC NAB ROAD 241 POMPANO BEACH, FL 33069 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 13.56% |
| RGL INSURANCE AGENCY3 | 1000 MCNAB ROAD 241 POMPANO BEACH, FL 33069 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 10.87% |
| AMG BRICKELL INC3 | 12864 BISCAYNE BLVD 194 NORTH MIAMI, FL 331812007 | HUMANA INSURANCE COMPANY | $403 | — | $403 | 1.09% |
| RGL INSURANCE AGENCY3 | 1000 WEST MCNAB ROAD POMPANO BEACH, FL 33069 | COMP BENEFITS COMPANY | $888 | — | $888 | 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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN INC | 91 | $750K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 97 | $46K |
| Vision | HUMANA INSURANCE COMPANY | 97 | $37K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 97 | $84K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 35 | $47K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 35 | $47K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 35 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.