| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | AVMED HEALTH | $30K | — | $30K | 4.49% |
| PLAN MEDICAL HEALTHCARE SOLUTIONS3 | PO BOX 164606 MIAMI, FL 33116 | TRANS CONN TLIC | $8K | — | $8K | 7.53% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 300 EXCELSIOR, MN 55331 | TRANS CONN TLIC | $4K | — | $4K | 3.94% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | TRANS CONN TLIC | $1K | — | $1K | 1.33% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 9.88% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 9.84% |
| PLAN MEDICAL HEALTHCARE SOLUTIONS3 | PO BOX 164606 MIAMI, FL 33116 | KANAWHA INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 12.84% |
| PLAN MEDICAL HEALTHCARE SOLUTIONS3 | PO BOX 164606 MIAMI, FL 33116 | HUMANA INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | COMPBENEFITS COMPANY | $970 | — | $970 | 9.95% |
| PLAN MEDICAL HEALTHCARE SOLUTIONS3 | PO BOX 164606 MIAMI, FL 33116 | COMPBENEFITS COMPANY | $3 | — | $3 | 0.03% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 15.07% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | HUMANA INSURANCE COMPANY | $904 | — | $904 | 9.62% |
| PLAN MEDICAL HEALTHCARE SOLUTIONS3 | PO BOX 164606 MIAMI, FL 33116 | HUMANA INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED HEALTH | 224 | $675K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 60 | $65K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $9K |
| Life insurance | HUMANA INSURANCE COMPANY | 128 | $14K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 124 | $20K |
| Other(4 contracts, 2 carriers) | TRANS CONN TLIC | 128 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.