| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL SOUTH MIAMI | 7301 SW 57TH COURT, SUITE 500 SOUTH MIAMI, FL 33143 | UNITEDHEALTHCARE INSURANCE COMPANY | $178K | $0 | $178K | 24.20% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD 434 LONGWOOD, FL 37505 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 4.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 14.37% |
| NATALIA DURAN GUZMAN3 | 1945 SW 25TH TERRACE MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 5.83% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.39% |
| BRITTANY GOODRICH3 Filed as: BRITTANY GOODRICH AND OTHER AGENTS | 8479 SW 137 AVENUE MIAMI, FL 33183 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.07% |
| MARIA CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.57% |
| BRETT ALAN BOOKER3 | 4390 CLEARWATER WAY, APT 1505 LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.55% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INSURANCE GROUP INC. | 3561 NW 88TH DRIVE, APT 307 CORAL SPRINGS, FL 33065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.03% |
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 | 1,332 | 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) | 1,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,521 | $737K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,521 | $737K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,521 | $737K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,521 | $737K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,521 | $737K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,521 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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."
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.