| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN DONALD GETTIS3 | 12555 BISCAYNE BLVD # 832 NORTH MIAMI BEACH, FL 331812522 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $56K | $66K | 6.75% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI GARDENS, FL 331695344 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $7K | $30K | 3.01% |
| STEVEN DONALD GETTIS3 Filed as: STEVEN GETTIS | 12555 BISCAYNE BLVD SUITE 832 NORTH MIAMI, FL 33181 | METROPOLITAN LIFE INSURANCE COMPANY | $963 | — | $963 | 13.01% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC | 12846 BISCAYNE BLVD SUITE 343 NORTH MIAMI, FL 331812007 | METROPOLITAN LIFE INSURANCE COMPANY | $300 | — | $300 | 4.05% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $981K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $981K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $981K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $7K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.