| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G-1 MIAMI, FL 33186 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 2.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.49% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 13.88% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.32% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.47% |
| RAUL H IBANEZ3 | 11526 SW HALTON ST PORT ST LUCIE, FL 34987 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $938 | — | $938 | 2.34% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $396 | — | $396 | 0.99% |
| HARVEY CLAUDE TIMMER3 Filed as: HARVEY C TIMMER | 10725 SW 134TH TERRACE MIAMI, FL 33176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.21% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 17.97% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETE, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.42% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $632 | — | $632 | 6.74% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | — | $492 | 5.25% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | — | $414 | 4.42% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $953 | — | $953 | 11.90% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $85K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $77K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 173 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
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.