| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING | 6506 KENDALE LAKES DR #306 MIAMI, FL 33183 | BLUE CROSS BLUE SHIELD OF FLORIDA | $110K | — | $110K | 24.60% |
| SERVICE PLANNING CORP3 | 4901 NW 17TH WAY STE 403 FT LAUDERDALE, FL 333093775 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 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 | 9.26% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE DBA ONE DIGITAL | 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCECOMPANY OF CANADA | $184 | — | $184 | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $252K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 ADMINISTRATIVE SERVICES | Other fees; Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $13K |
| EMPLOYER BENEFITS CONSULTING INSURANCE AGENTS AND BR | Insurance agents and brokers Service code 22 | 6506 KENDALE LAKES DR STE 306 MIAMI, FL 33183 | $0 |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCECOMPANY OF CANADA | 191 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $70K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF FLORIDA | 259 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.