| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD BERNSTEIN & ASSOCIATES | 1551 FORUM PL SUITE 300A WEST PALM BEACH, FL 33401 | HEALTH OPTIONS | $45K | — | $45K | 5.98% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD BERNSTEIN & ASSOCIATES | 1551 FORUM PL STE 300A WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 4.93% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOCIATES | 1551 FORUM PL STE 300A WEST PALM BEACH, FL 334012307 | FLORIDA COMBINED LIFE | $4K | — | $4K | 4.51% |
| FLORIDA BLUE3 | DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $134 | — | $134 | 0.15% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 139 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 184 | $87K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 139 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.