| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31ST TERRACE, 2ND FLOOR DORAL, FL 33172 | AVMED HEALTH PLANS | $31K | — | $31K | 3.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 ALHAMBRA CIRCLE, SUITE 1000 CORAL GABLES, FL 33134 | AVMED HEALTH PLANS | $3K | — | $3K | 0.32% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | PO BOX 164606 MIAMI, FL 33116 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 7.68% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 23505 SMITHTOWN ROAD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.01% |
| HR BENEFITS SERVICE INC3 Filed as: HR BENEFITS SERVICE, INC. | 10446 NW 31ST TERRACE, 2ND FLOOR DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.35% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, 2ND FLOOR DORAL, FL 33172 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 7.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $415 | — | $415 | 0.53% |
| PLANMEDICA HEALTHCARE SOLUTIONS LLC3 | PO BOX 164606 MIAMI, FL 33116 | HUMANA INSURANCE COMPANY | -$18 | — | -$18 | -0.02% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, 2ND FLOOR DORAL, FL 33172 | KANAWHA INSURANCE COMPANY | $4K | — | $4K | 8.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | KANAWHA INSURANCE COMPANY | $430 | — | $430 | 0.88% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, 2ND FLOOR DORAL, FL 33172 | COMPBENEFITS COMPANY | $1K | — | $1K | 8.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | COMPBENEFITS COMPANY | $105 | — | $105 | 0.86% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH COURT MIAMI, FL 33176 | AFLAC | $2K | — | $2K | 14.97% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, 2ND FLOOR DORAL, FL 33172 | AFLAC | $2K | — | $2K | 13.42% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $937 | — | $937 | 8.15% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $617 | — | $617 | 5.36% |
| JEANNETTE ISABEL BRITO BENTANCOURT3 | 325 SW 81ST AVENUE MIAMI, FL 33144 | AFLAC | $252 | — | $252 | 2.19% |
| STEPHEN GONZALEZ3 Filed as: STEPHEN GONZALEZ AND OTHER AGENTS | 12190 SW 99TH STREET MIAMI, FL 33186 | AFLAC | $203 | — | $203 | 1.76% |
| JEANNETTE ISABEL BRITO BENTANCOURT3 | PO BOX 442444 MIAMI, FL 33144 | AFLAC | $140 | — | $140 | 1.22% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED HEALTH PLANS | 236 | $957K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 143 | $91K |
| Vision | HUMANA INSURANCE COMPANY | 143 | $79K |
| Life insurance | HUMANA INSURANCE COMPANY | 143 | $79K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 142 | $49K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 142 | $49K |
| Prescription drug | AVMED HEALTH PLANS | 236 | $856K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 143 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.