| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 333216417 | HUMANA MEDICAL PLAN, INC. | $38K | — | $38K | 5.55% |
| MAR INSURANCE GROUP, INC.3 | 157 E NEW ENGLAND AVE STE WINTER PARK, FL 331695344 | HUMANA MEDICAL PLAN, INC. | $3K | — | $3K | 0.46% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 333216417 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 8.92% |
| MAR INSURANCE GROUP, INC.3 | 157 E NEW ENGLAND AVE STE WINTER PARK, FL 32789 | HUMANA INSURANCE COMPANY | $383 | — | $383 | 0.76% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 333216417 | HUMANA INSURANCE COMPANY | $614 | — | $614 | 8.89% |
| MAR INSURANCE GROUP, INC.3 | 157 E NEW ENGLAND AVE STE WINTER PARK, FL 32789 | HUMANA INSURANCE COMPANY | $51 | — | $51 | 0.74% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | HARTFORD LIFE AND ACCIDENT | $540 | — | $540 | 10.80% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCSINC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | HARTFORD LIFE AND ACCIDENT | $250 | — | $250 | 5.00% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 333216417 | COMPBENEFITS COMPANY | $432 | — | $432 | 8.76% |
| MAR INSURANCE GROUP, INC.3 | 157 E NEW ENGLAND AVE STE WINTER PARK, FL 32789 | COMPBENEFITS COMPANY | $37 | — | $37 | 0.75% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 105 | $691K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 90 | $55K |
| Vision | HUMANA INSURANCE COMPANY | 60 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 104 | $5K |
| Other | HARTFORD LIFE AND ACCIDENT | 104 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.