| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 2250 SW 185TH AVENUE MIRAMAR, FL 33029 | AVMED HEALTH PLANS | $90K | $11K | $101K | 6.73% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 9.99% |
| GROUP BENEFIT CONCEPTS INC3 | 2250 SW 185 AVE MIRAMAR, FL 33029 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 7.99% |
| GROUP BENEFITS CONCEPTS, INC3 | 2250 SW 185TH AVE MIRAMIR, FL 33029 | SOLSTICE BENEFITS, INC. | $14K | — | $14K | 12.50% |
| GROUP BENEFIT CONCEPTS INC3 | 2250 SW 185 AVENUE MIRAMAR, FL 33029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS INC. | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMANY OF AMERICA | $3K | — | $3K | 16.53% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH PLANS | 399 | $1.5M |
| Dental | SOLSTICE BENEFITS, INC. | 749 | $115K |
| Vision | SOLSTICE BENEFITS, INC. | 749 | $115K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $109K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $89K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 391 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.