| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $67K | $79K | 5.56% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $41K | $71K | 5.01% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE | 365 PALERMO AVE CORAL GABLES, FL 331346607 | FLORIDA COMBINED LIFE | $2K | — | $2K | 11.90% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE - TAUBER, MIKE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $47 | — | $47 | 0.36% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE | 365 PALERMO AVE CORAL GABLES, FL 331346607 | FLORIDA COMBINED LIFE | $795 | — | $795 | 14.98% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE - TAUBER, MIKE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $28 | — | $28 | 0.53% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE | 365 PALERMO AVE CORAL GABLES, FL 331346607 | FLORIDA COMBINED LIFE | $13K | — | $13K | — |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE - TAUBER, MIKE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $169 | — | $169 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION, INC. EIN 65-0362462 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 6161 WASHINGTON STREET HOLLYWOOD, FL 33023 | $8K |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Life insurance(2 contracts) | FLORIDA COMBINED LIFE | 407 | $13K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Other(2 contracts) | FLORIDA COMBINED LIFE | 407 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.