| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 1825 MAIN STREET, SUITE 102 WESTON, FL 33326 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $67K | $80K | 4.93% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE 600 MIAMI, FL 33131 | GUARDIAN | $13K | — | $13K | 4.85% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 2.85% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 8.75% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $319 | — | $319 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIOANL MIDWEST LIMITED | 777 SW 37TH AVENUE, SUITE 500 MIAMI, FL 33135 | FEDERAL INSURANCE COMPANY | $329 | $33 | $362 | 16.53% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $218 | — | $218 | 10.00% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $152 | — | $152 | 10.03% |
| BENEFITS DESIGN RESOURCES3 | 407 LINCOLN RD., STE 11-H MIAMI, FL 33139 | LIFE INSURANCE OF NORTH AMERICA | $33 | — | $33 | 9.97% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 176 | $293K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 176 | $293K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 176 | $275K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 176 | $274K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 176 | $273K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 176 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.