| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND STREET STE 226 MIAMI, FL 331735494 | HUMANA MEDICAL PLAN, INC. | $6K | $825 | $6K | 4.42% |
| FERNANDEZ, ANDRES F3 | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 331735494 | HUMANA MEDICAL PLAN, INC. | $1K | $500 | $2K | 1.19% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SUNSET DR #226 MIAMI, FL 33173 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 5.17% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND STREET STE 226 MIAMI, FL 331735494 | HUMANA INSURANCE COMPANY | $2K | $124 | $2K | 8.53% |
| FERNANDEZ, ANDRES F3 | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 331735494 | HUMANA INSURANCE COMPANY | $422 | — | $422 | 1.56% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND ST STE 226 MIAMI, FL 331735494 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.79% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G MIAMI, FL 331865881 | PRINCIPAL LIFE INSURANCE COMPANY | $126 | — | $126 | 1.14% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 26 | $145K |
| Dental | HUMANA INSURANCE COMPANY | 66 | $27K |
| Vision | HUMANA INSURANCE COMPANY | 66 | $27K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $11K |
| Other | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 19 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.