| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHEINGOLD BICK INSURANCE LLC3 Filed as: RHEINGOLD-BICK INSURANCE LLC | 6574 N STATE RD 7 STE 408 COCONUT CREEK, FL 330733625 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $154K | $154K | 6.38% |
| EXCELSIOR BENEFITS LLC3 | P.O. BOX 320 EXCELSIOR, MN 553310320 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.60% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOC | 1840 MAIN ST. SUITE 202 WESTON, FL 33326 | GUARDIAN | $30K | — | $30K | 11.87% |
| MARCRGEINGOLD & ASSOC | 1840 MAIN ST. SUITE 202 WEATON, FL 33326 | GUARDIAN | — | $3K | $3K | 1.12% |
| RHINGOLD-BICK INSURANCE LLC3 | 7660 N STATE RD 7 SUITE 1 COCONUT CREEK, FL 33073 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $13K | $13K | 6.38% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $2.4M |
| Dental | NEIGHBORHOOD HEALTH PARTNERSHIP | 46 | $202K |
| Vision | NEIGHBORHOOD HEALTH PARTNERSHIP | 46 | $202K |
| Life insurance | GUARDIAN | 314 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.