| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUECROSS BLUESHIELD OF FLORIDA | $26K | — | $26K | 3.91% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | HEALTH OPTIONS, INC | $12K | — | $12K | 3.88% |
| BELMAN, INC3 | 7660 N STATE ROAD 7 STE 1 COCONUT CREEK, FL 33073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 18.04% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 15.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $4K | $4K | 9.72% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $3K | $3K | 7.57% |
| BELMAN, INC3 | 6981 NW 67 COURT PARKLAND, FL 33067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $216 | $4K | 15.80% |
| BELMAN, INC3 | 6981 NW 67 COURT PARKLAND, FL 33067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $145 | $3K | 15.85% |
| BELMAN, INC3 | 6981 NW 67 COURT PARKLAND, FL 33067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $83 | $2K | 15.86% |
| BELMAN, INC3 | 6981 NW 67 COURT PARKLAND, FL 33067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $69 | $2K | 20.83% |
| BELMAN, INC3 | 6981 NW 67 COURT PARKLAND, FL 33067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $58 | $1K | 15.82% |
| BELMAN, INC3 | 6981 NW 67 COURT PARKLAND, FL 33067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $764 | $32 | $796 | 20.85% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF FLORIDA | 68 | $658K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $83K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $83K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $27K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $17K |
| Prescription drug | HEALTH OPTIONS, INC | 47 | $305K |
| Other(6 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF FLORIDA | 155 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.