| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SABAL BENEFITS, LLC3 | 1000 E. BROWARD BLVD FORT LAUDERDALE, FL 33301 | AVMED | $17K | — | $17K | 4.59% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 15.31% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $531 | $531 | 5.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $159 | $159 | 1.50% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | — | $658 | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $329 | $329 | 5.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, FL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $99 | $99 | 1.51% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | — | $349 | 9.99% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $175 | $175 | 5.01% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $52 | $52 | 1.49% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 55 | $360K |
| Dental | AETNA LIFE INSURANCE CO. | 126 | $33K |
| Vision | AETNA LIFE INSURANCE CO. | 126 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $14K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
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.