| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES, INC | 10446 NW 31 TERR. 2ND FLOOR MIAMI, FL 33172 | AVMED | $20K | $3K | $23K | 5.31% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 33172 | HUMANA MEDICAL PLAN, INC | $6K | — | $6K | 5.80% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TERRACE DORAL, FL 33172 | SOLSTICE BENEFITS, INC | $5K | — | $5K | 13.25% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.98% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | -$7 | — | -$7 | -0.02% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $642 | $2K | 13.69% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $590 | $2K | 13.47% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $439 | $2K | 13.02% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $687 | $242 | $929 | 13.51% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 87 | $539K |
| Dental | SOLSTICE BENEFITS, INC | 124 | $38K |
| Vision | SOLSTICE BENEFITS, INC | 124 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $17K |
| Other(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 127 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.