| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DESIGN RESOURCES3 Filed as: BENEFITS DESIGN RESOURCES INC. | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $21K | $38K | 26.93% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE 600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.53% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE 600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| BENEFITS DESIGN RESOURCES3 Filed as: BENEFITS DESIGN RESOURCES, INC. | 407 LINCOLN RD., STE 11-H MIAMI BEACH, FL 33139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 9.21% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE 600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.82% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $863 | — | $863 | 9.99% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $595 | — | $595 | 9.99% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE 600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $542 | — | $542 | 11.99% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $115 | — | $115 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | FEDERAL INSURANCE COMPANY | $112 | — | $112 | 14.93% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35 | $142K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35 | $39K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35 | $39K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $51K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $74K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $26K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.