| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | NEIGHBORHOOD HEALTH PARTNERSHIP | $31K | — | $31K | 3.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 16.60% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.29% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.87% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| RAMON J FRIAS INC3 | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $752 | — | $752 | 1.76% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $742 | — | $742 | 1.74% |
| RAUL H IBANEZ3 | 11526 SW HALTON ST PORT ST LUCIE, FL 34987 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $604 | — | $604 | 1.42% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | — | $245 | 0.57% |
| 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 | $198 | — | $198 | 0.46% |
| MARLA MORALES3 | 3905 NW 107TH AVE STE 410 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.42% |
| HARVEY CLAUDE TIMMER3 Filed as: HARVEY C TIMMER | 10725 SW 134TH TERRACE MIAMI, FL 33176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.20% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.18% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.17% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.14% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $387 | — | $387 | 2.67% |
| INSURE PLEX3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 1.02% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.65% |
| MARIA E GADEA3 Filed as: MARIA MORALES | 3905 NW 107TH AVE STE 410 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| 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 | $8 | — | $8 | 0.06% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.56% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETE, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.31% |
| MICHELLE REMBERTA LOCICERO3 | 7526 CATTLE DRIVE PLANT CITY, FL 33565 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $879 | — | $879 | 6.84% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $787 | — | $787 | 6.13% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | — | $276 | 2.15% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 1.37% |
| MARIA E GADEA3 Filed as: MARIA MORALES | 3905 NW 107TH AVE STE 410 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 1.00% |
| MICHELLE LAMPERT3 | 4611 N FEDERAL HIGHWAY APT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.14% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $878 | $0 | $878 | 10.05% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEIGHBORHOOD HEALTH PARTNERSHIP | 242 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $106K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $97K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 66 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.