| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE | 365 PALERMO AVE CORAL GABLES, FL 33134 | AVMED | $81K | — | $81K | 4.57% |
| BERNAL AND ASSOCIATES INC3 Filed as: BERNAL & ASSOCIATES | 1221 BACOM POINT RD PAHOKEE, FL 33476 | AVMED | $67K | — | $67K | 3.77% |
| EDUARDO BERNAL3 | 5172 SW 137 TERR HOLLYWOOD, FL 33027 | AVMED | $14K | — | $14K | 0.80% |
| FORTUN INSURANCE INC3 | 365 PALERMO AVE CORAL GABLES, FL 331346607 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.55% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 9.21% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $957 | $4K | 3.65% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.26% |
| HECTOR FORTUN3 | 365 PALERMO AVE CORAL GABLES, FL 33134 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - JULI | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $232 | — | $232 | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION, INC. EIN 65-0362462 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 6600 TAFT STREET HOLLYWOOD, FL 33024 | $10K |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 338 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 437 | $105K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 437 | $105K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 577 | $106K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 577 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.