| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN & ASSOCIATED, INC | 9320 SW 140TH STREET MIAMI, FL 33176 | BLUE CROSS BLUE SHIELD OF FLORIDA | $77K | — | $77K | 5.00% |
| HELMAN & ASSOCIATES INC3 Filed as: HELMAN & ASSOCIATES, INC | 9320 SW 140TH STREET MIAMI, FL 33176 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | — | $38K | 5.00% |
| HELMAN & ASSOC INC.3 | 8000 GOVERNORS SQUARE BLVD SUITE 301 MIAMI, FL 33016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 11.76% |
| HELMAN & ASSOCIATES INC3 | 9320 SW 140TH ST MIAMI, FL 331766813 | FLORIDA COMBINED LIFE | $13K | — | $13K | 11.82% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE4800 DEERWOOD CAMPUS PK | # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $3K | — | $3K | 2.92% |
| HELMAN & ASSOCIATES INC3 | 9320 SW 140TH ST MIAMI, FL 331766813 | FLORIDA COMBINED LIFE | $2K | — | $2K | 8.85% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $813 | — | $813 | 4.37% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 265 | $2.3M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $280K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $154K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $154K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $154K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 265 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.