| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC. | 10446 NW 31ST TER MIAMI, FL 33172 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 3.05% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERR., 2ND FLOOR MIAMI, FL 33172 | FLORIDA COMBINED LIFE | $2K | — | $2K | 10.92% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 331865831 | USABLE LIFE | $1K | $221 | $1K | 8.91% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 331865831 | USABLE LIFE | $853 | — | $853 | 9.62% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TERRACE DORAL, FL 33172 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $644 | — | $644 | 9.91% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TERRACE DORAL, FL 33172 | FLORIDA COMBINED LIFE | $516 | — | $516 | 11.00% |
| HR BENEFITS SERVICE INC3 | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 69.13% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $754 | — | $754 | 30.83% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 331865831 | USABLE LIFE | $247 | — | $247 | 28.55% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81 | — | $81 | 10.02% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68 | — | $68 | 10.01% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 64 | $408K |
| Dental(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 58 | $27K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 58 | $6K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 205 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 64 | $408K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 205 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.