| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSOURCE INC3 | 9500 SOUTH DADELAND BOULEVARD SUITE 400 MIAMI, FL 33156 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $224K | $231K | 5.10% |
| TIMONTHY EDBROOKE3 | 2875 NORTHEAST 191 STREET SUITE 300 AVENTURA, FL 33180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.50% |
| RICARDO ESTRADA3 | 2103 CORAL WAY #721 MIAMI, FL 33415 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.50% |
| INSOURCE INC3 Filed as: INSOURCE, INC | 9500 SOUTH DADELAND BOULEVARD SUITE 400 MIAMI, FL 33156 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| TIMONTHY EDBROOKE3 | 2875 NORTHEAST 191 STREET SUITE 300 AVENTURA, FL 33180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| RICARDO ESTRADA3 | 2103 CORAL WAY #721 MIAMI, FL 33145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| TIMOTHY EDBROOKE3 | 2875 NE 191 ST SUITE 300 AVENTURA, FL 33180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.50% |
| RICARDO ESTRADA3 | 2103 CORAL WAY SUITE 721 MIAMI, FL 33145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.50% |
| TIMOTHY EDBROOKE3 | 2875 NE 191 ST STREET SUITE 300 AVENTURA, FL 33180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $507 | — | $507 | 7.50% |
| RICHARD ESTRADA3 | 2103 CORAL WAY SUITE 721 MIAMI, FL 33145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $507 | — | $507 | 7.50% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 857 | $4.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 857 | $4.5M |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 857 | $4.6M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $43K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 348 | $116K |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 857 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.