| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 33016 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $13K | $24K | 3.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 33016 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.50% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH COURT STE 200 MIAMI LAKES, FL 33016 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $14K | $14K | 2.17% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST FINANCIAL INC | 14900 NW 79TH CT MIAMI LAKES, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.26% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.32% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NW 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARD INSURANCE COMPANY | $0 | $848 | $848 | 3.47% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NW 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $804 | $804 | 3.40% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $766 | $4K | 18.34% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $686 | $4K | 18.36% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $611 | $188 | $799 | 9.81% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NE 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARD INSURANCE COMPANY | $365 | $69 | $434 | 8.93% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NW 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $104 | $164 | $268 | 19.32% |
| BENTRUST FINANCIAL3 | 701 WATERFORD WAY, #300 MIAMI, FL 33126 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81 | $73 | $154 | 14.26% |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 461 | $2.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 448 | $117K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $44K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 72 | $47K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 200 | $794K |
| Other(7 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 448 | $927K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.