| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDEN BEATTIE BENEFIT ADVISORS3 | 7301 SW 57TH COURT PLAZA 57 SUITE 530 CORAL GABLES, FL 33143 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $60K | $60K | 3.29% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 MIAMI GREENWAY, 9TH FLOOR CORAL GABLES, FL 33146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $86K | $16K | $102K | 18.72% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.01% |
| SELDEN BEATTIE BENEFIT ADVISORS3 | 3150 MIAMI GREEN WAY, 9TH FLOOR CORAL GABLES, FL 33146 | UNITED HEALTHCARE INSURANCE COMPANY | — | $234 | $234 | 0.17% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 6151 LAKE OSPREY DRIVE, 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 9.97% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISOR | 3150 SW AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 8.00% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $3K | $89 | $3K | 4.02% |
| LOURDES M. ALDEREGUIA3 | 9808 SW 94TH TERRACE MIAMI, FL 33176 | AFLAC | $2K | — | $2K | 2.91% |
| LOURDES M. ALDEREGUIA3 | 6340 SW 16TH STREET MIAMI, FL 33155 | AFLAC | $1K | $313 | $2K | 2.19% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1K | $89 | $2K | 2.17% |
| FRANCISCO T. DENAVARRA3 | 5835 SW 81ST STREET SOUTH MIAMI, FL 33143 | AFLAC | $905 | $134 | $1K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G. BROWN AND VARIOUS AGENTS | 355 SCOTT FARM ROAD POWDER SPRINGS, GA 30127 | AFLAC | $672 | — | $672 | 0.97% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $243 | $89 | $332 | 0.48% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 422 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $542K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $542K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $542K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $542K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $542K |
| Prescription drug(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 422 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.