| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $41K | $41K | 5.17% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD MIAMI, FL 33145 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $16K | $16K | 1.98% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2103 CORAL WAY STE 603 CPRAL GABLES, FL 33145 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.82% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 9.47% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICE | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.22% |
| 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 | $2K | — | $2K | 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 | $549 | — | $549 | 7.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $377 | — | $377 | 7.51% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARD INSURANCE COMPANY | $38 | — | $38 | 5.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | RELIANCE STANDARD INSURANCE COMPANY | $18 | — | $18 | 2.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1780 N KROME AVENUE HOMESTEAD, FL 33030 | RELIANCE STANDARD INSURANCE COMPANY | $2 | — | $2 | 0.27% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 252 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $86K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 252 | $480K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $101K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 67 | $35K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 48 | $43K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 75 | $393K |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 224 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.