| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN DONALD GETTIS3 Filed as: STEVEN D GETTIS | 12555 BISCAYNE BLVD 832 NORTH MIAMI BEACH, FL 33181 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $50K | $50K | 6.38% |
| AMG BRICKELL INC3 | 12864 BISCAYNE BLVD 194 NORTH MIAMI BEACH, FL 33181 | NEIGHBORHOOD HEALTH PARTNERSHIP | $17K | $4K | $21K | 2.73% |
| STEVEN DONALD GETTIS3 | 12555 BISCAYNE BLVD 832 NORTH MIAMI BEACH, FL 33181 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $2K | $9K | 8.87% |
| AMG BRICKELL INC3 | 12864 BISCAYNE BLVD # 194 NORTH MIAMI, FL 33181 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $36 | $2K | 2.38% |
| STEVEN DONALD GETTIS3 Filed as: STEVEN GETTIS | 12555 BISCAYNE BLVD SUITE 832 NORTH MIAMI, FL 33181 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 12.75% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC | 12864 BISCAYNE BLVD SUITE 194 NORTH MIAMI, FL 33181 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | — | $314 | 3.99% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 297 | $890K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $8K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.