| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TERRACE DORAL, FL 33172 | NEIGHBORHOOD HEALTH PARTNERSHIP | $6K | $70K | $76K | 5.28% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES, INC | 10446 NW 31ST TERRACE MIAMI, FL 33172 | SOLSTICE BENEFITS, INC | $10K | — | $10K | 10.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $1K | $3K | 6.91% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERRACE MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERRACE MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERRACE MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERRACE MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERRACE MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $917 | — | $917 | 15.01% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 461 | $1.5M |
| Dental | SOLSTICE BENEFITS, INC | 220 | $99K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9 | $6K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.