| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAIZ, MARY3 | 7031 SW 60TH ST MIAMI, FL 331431835 | HUMANA MEDICAL PLAN, INC. | $279K | — | $279K | 5.19% |
| SAIZ, MARY3 | 7031 SW 60TH ST MIAMI, FL 331431835 | HUMANA INSURANCE COMPANY | $40K | — | $40K | 10.45% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| SAIZ, MARY3 | 7031 SW 60TH ST MIAMI, FL 331431835 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 10.48% |
| SAIZ, MARY3 | 7031 SW 60TH ST MIAMI, FL 331431835 | COMPBENEFITS COMPANY | $6K | — | $6K | 10.54% |
| INSURING SOURCES3 | 8200 NW 41ST STREET SUITE 200 DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 970 | 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) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 997 | $5.4M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 602 | $436K |
| Vision | HUMANA INSURANCE COMPANY | 645 | $62K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 970 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $50K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 970 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.