| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY STE 603 CPRAL GABLES, FL 33145 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.61% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICE | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARD INSURANCE COMPANY | $925 | — | $925 | 5.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTAILING INSURANCE SERVICES | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $274 | — | $274 | 7.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | — | $200 | 7.51% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | — | $141 | 7.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARD INSURANCE COMPANY | $138 | — | $138 | 7.52% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $70K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $1.2M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $63K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 61 | $26K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 44 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $1.1M |
| Other(7 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.