| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 18459 PINES BOULEVARD SUITE 220 HOMESTEAD, FL 33090 | AVMED HEALTH PLANS | $101K | $7K | $108K | 5.33% |
| GROUP BENEFIT CONCEPTS INC3 | 2250 SW 185 AVENUE MIRAMAR, FL 33029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 11.56% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 34618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.45% |
| GROUP BENEFITS CONCEPTS, INC3 | 2250 SW 185TH AVE MIRAMIR, FL 33029 | SOLSTICE BENEFITS, INC. | $14K | — | $14K | 12.50% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS INC. | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.70% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 34618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $636 | — | $636 | 1.30% |
| 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 | 11.39% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 34618 | UNUM LIFE INSURANCE COMANY OF AMERICA | $986 | — | $986 | 3.60% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS INC. | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $306 | — | $306 | 10.89% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 34618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $115 | — | $115 | 4.09% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH PLANS | 396 | $2.0M |
| Dental | SOLSTICE BENEFITS, INC. | 419 | $115K |
| Vision | SOLSTICE BENEFITS, INC. | 419 | $115K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $147K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $120K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.