| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY ST 403 FT LAUDERDALE, FL 333093775 | BLUE CROSS BLUE SHIELD OF FLORIDA | $107K | — | $107K | 22.16% |
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY STE 403 FT LAUDERDALE, FL 333093775 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY STE 403 FT LAUDERDALE, FL 333093775 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| SERVICE PLANNING CORP3 Filed as: SERVICE PLANNING CORPORATION | 4901 NW 17 WAY STE 403 FORT LAUDERDALE, FL 33309 | SUN LIFE ASSURANCECOMPANY OF CANADA | $2K | — | $2K | 10.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 6506 KENDALE LAKES DR STE 306 MIAMI, FL 33183 | $140K |
| UNION SECURITY INSURANCE EIN 81-0170040 ADMINISTRATIVE SERVICES | Claims processing; Other fees Service code 12 | — | $11K |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCECOMPANY OF CANADA | 161 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $69K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF FLORIDA | 237 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.