| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 3.07% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE 600 MIAMI, FL 33131 | GUARDIAN | $6K | — | $6K | 8.26% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $873 | — | $873 | 9.68% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $685 | — | $685 | 11.08% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $392 | — | $392 | 9.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVENUE, SUITE 500 MIAMI, FL 33135 | FEDERAL INSURANCE COMPANY | $161 | — | $161 | 14.98% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $93 | — | $93 | 9.95% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 54 | $301K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 141 | $101K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 141 | $101K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 141 | $82K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 141 | $79K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 141 | $77K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 141 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
No prospect flags tripped on this filing.