| 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 | — | $37K | $37K | 5.37% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $10K | $10K | 1.44% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD MIAMI, FL 33145 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 0.75% |
| 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 | 9.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTALING INSURANCE SERVICES LLC | 2301 NW 87TH AVE STE 401 DORAL, FL 33182 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.07% |
| FLOWERS INSURANCE AGENCY LLC3 Filed as: FLOWERS INSURANCE AGENCY | 2501 W MAIN STREET STE 500 DOTHAN, AL 36301 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 10.53% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 9.02% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $2K | $2K | 8.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $2K | $2K | 8.42% |
| ABE SMITH, INC.3 Filed as: ABE SMITH INC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 5.26% |
| CARTER CONSULTING GROUP3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 5.26% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO. | $815 | — | $815 | 3.01% |
| LAKESHORE BENEFIT ALLIANCE LLC5 | 700 37TH ST S BIRMINGHAM, AL 35222 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 42.62% |
| FLOWERS INSURANCE AGENCY LLC3 | PO BOX 368 DOTHAN, AL 36302 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 39.66% |
| 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 | $3K | — | $3K | 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 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $596 | — | $596 | 7.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 | 2103 CORAL WAY SUITE 603 MIAMI, FL 33145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $448 | — | $448 | 7.50% |
| CIC HOTALING INSURANCE SERVICES, LL3 Filed as: CIC HOTAILING INSURANCE SERVICES | 2103 CORAL WAY STE 603 MIAMI, FL 33145 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $425 | — | $425 | 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 | $376 | — | $376 | 7.49% |
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 | 282 | 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) | 282 | 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 | 88 | $743K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $39K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $39K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $108K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $35K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 43 | $42K |
| Other(7 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.