| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GETTIS, STEVEN D3 | 12555 BISCAYNE BLVD # 832 NORTH MIAMI, FL 331812522 | AETNA LIFE INSURANCE CO. | $20K | — | $20K | 5.26% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 331695344 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 3.16% |
| STEVEN DONALD GETTIS3 | 12555 BISCAYNE BLVD #832 MIAMI, FL 33181 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $20K | $20K | 5.26% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD MIAMI, FL 33169 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $12K | $12K | 3.16% |
| GETTIS, STEVEN D3 | 12555 BISCAYNE BLVD # 832 NORTH MIAMI, FL 331812522 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 9.71% |
| GETTIS, STEVEN D3 | 12555 BISCAYNE BLVD # 832 NORTH MIAMI, FL 331812522 | HUMANA INSURANCE COMPANY | $612 | — | $612 | 9.57% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC | 1111 PARK CENTRE BLVD SUITE 401 NORTH MIAMI, FL 331812007 | HARTFORD LIFE AND ACCIDENT | $964 | — | $964 | 17.00% |
| GETTIS, STEVEN D3 | 12555 BISCAYNE BLVD #832 NORTH MIAMI, FL 331812522 | COMPBENEFITS COMPANY | $348 | — | $348 | 9.59% |
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 | 25 | 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) | 25 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 42 | $749K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 25 | $44K |
| Vision | HUMANA INSURANCE COMPANY | 25 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 60 | $6K |
| Other | HARTFORD LIFE AND ACCIDENT | 60 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.