| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINETREE CAPITAL LLC3 Filed as: PINETREE BENEFIT SOLUTIONS | 5511 NORTH UNIVERSITY DRIVE SUITE 102 CORAL SPRINGS, FL 33067 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $164K | — | $164K | 15.00% |
| PINETREE CAPITAL LLC3 | 5511 NORTH UNIVERSITY DRIVE SUITE 104 CORAL SPRINGS, FL 33067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 10.00% |
| PINETREET CAPITAL LLC3 | 5511 NORTH UNIVERSITY DRIVE SUITE 104 CORAL SPRINGS, FL 33067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 10.00% |
| PINETREE CAPITAL LLC3 | 5511 NORTH UNIVERSITY DRIVE SUITE 104 CORAL SPRINGS, FL 33067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.00% |
| PINETREE CAPITAL LLC3 | 5511 NORTH UNIVERSITY DRIVE SUITE 102 CORAL SPRINGS, FL 33067 | HUMANA INSURANCE COMPANY | $14K | — | $14K | 9.97% |
| BENEFITS TECNOLOGIES DIVISION 2 LLC3 | 1200 E TAFT AVE SAPULA, OK 74066 | HUMANA INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 600 CLEELAND ST STE 600 CLEARWATER, FL 33755 | HUMANA INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES DIVISION 8 LL | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | HUMANA INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
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 | 1,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 1,073 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 569 | $180K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $363K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 1,514 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 865 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,514 | — |
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.