| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $64K | — | $64K | 5.81% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS, LLC | 15757 PINES BOULEVARD SUITE 291 PEMBROKE PINES, FL 33028 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 0.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 5.45% |
| STRATEGIC BENEFITS3 | 2893 EXECUTIVE PARK DRIVE SUITE 118 WESTON, FL 333313666 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 4.55% |
| ESPTX3 Filed as: ESPTX LLC | 2209 PARKSVILLE WAY CEDAR PARK, TX 786136939 | AMERITAS LIFE INSURANCE CORP. | — | $7K | $7K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, CAMERON, JASON | 2209 PARKSVILLE WAY CEDAR PARK, TX 786136939 | AMERITAS LIFE INSURANCE CORP. | — | $6K | $6K | 3.24% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 6.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE SOUTH JACKSONVILLE, FL 32224 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| STRATEGIC BENEFITS3 | 2893 EXECUTIVE PARK DRIVE SUITE 118 WESTON, FL 333313666 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.12% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $18K | — | $18K | 41.39% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE SUITE 118 WESTON, FL 333313666 | USABLE LIFE | $5K | — | $5K | 11.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | USABLE LIFE | $4K | — | $4K | 9.43% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 2.43% |
| AON CONSULTING INC3 | SOUTH FLORIDA 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE SUITE 11 WESTON, FL 333313666 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.37% |
| AON CONSULTING INC3 | SOUTH FLORIDA 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $920 | — | $920 | 5.36% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS LLC | 2893 EXECUTIVE PARK DRIVE SUITE 11 WESTON, FL 333313666 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $797 | — | $797 | 4.64% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 229 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 451 | $191K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 451 | $191K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $17K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 148 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.