| 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 | AVMED | $25K | — | $25K | 5.52% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND STREET STE 226 MIAMI, FL 331735494 | SOLSTICE BENEFITS, INC | $7K | — | $7K | 12.00% |
| NE SOLUTIONS, INC.3 | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $5K | — | $5K | 13.08% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE. MIAMI, FL 33133 | PROSPERITY LIFE GROUP | $321 | — | $321 | 0.91% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | PROSPERITY LIFE GROUP | $321 | — | $321 | 0.91% |
| NE SOLUTIONS, INC.3 | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET BBA | $4K | — | $4K | 28.00% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE. MIAMI, FL 33133 | WELLFLEET BBA | $2K | — | $2K | 13.52% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET BBA | $2K | — | $2K | 13.52% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| SOLSTICE BENEFITS INC3 | 7901 SW 6TH CT #400 DAVIE, FL 33324 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $562 | $562 | 5.00% |
| NE SOLUTIONS, INC.3 Filed as: NE SOLUTIONS INC | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 26.09% |
| RAFAEL JOSE VALDES3 Filed as: RAFAEL VALDES | 7540 SW 56 COURT MIAMI, FL 33143 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $530 | — | $530 | 8.05% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $460 | — | $460 | 6.99% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVENUE MIAMI, FL 33133 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $253 | — | $253 | 3.84% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 331735494 | PRINCIPAL LIFE INSURANCE COMPANY | $762 | $121 | $883 | 13.91% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 66 | $445K |
| Dental | SOLSTICE BENEFITS, INC | 88 | $56K |
| Vision | SOLSTICE BENEFITS, INC | 88 | $56K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 211 | $18K |
| Other(3 contracts, 3 carriers) | PROSPERITY LIFE GROUP | 51 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.