| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | AETNA HEALTH, INC. | — | $60K | $60K | 4.14% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.40% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| HR BENEFITS SERVICE INC3 | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.99% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MA 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | AETNA LIFE INSURANCE COMPANY | $950 | $765 | $2K | 5.92% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $775 | — | $775 | 15.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER MIAMI, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 100.00% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 368 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $111K |
| Vision | AETNA LIFE INSURANCE COMPANY | 226 | $29K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $41K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $7K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 242 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.