| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 3.01% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G MIAMI, FL 33186 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.30% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 40.06% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | NEIGHBORHOOD HEALTH PARTNERSHIP | $765 | — | $765 | 5.85% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $579 | — | $579 | 5.22% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $470 | — | $470 | 4.24% |
| RAMON J FRIAS INC3 | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $385 | — | $385 | 3.47% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 2.83% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.78% |
| MARIA E GADEA3 Filed as: MARIA MORALES | 3905 NW 107TH AVE STE 410 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.49% |
| RAUL H IBANEZ3 | 11526 SW HALTON ST PORT ST LUCIE, FL 34987 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.45% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.43% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.41% |
| 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 | $36 | — | $36 | 0.32% |
| HARVEY CLAUDE TIMMER3 Filed as: HARVEY C TIMMER | 10725 SW 134TH TERRACE MIAMI, FL 33176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.30% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $576 | — | $576 | 12.43% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $411 | — | $411 | 8.87% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 1.14% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.60% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.41% |
| MARIA E GADEA3 Filed as: MARIA MORALES | 3905 NW 107TH AVE STE 410 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.15% |
| 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 | $4 | — | $4 | 0.09% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G MIAMI, FL 33186 | COMPBENEFITS COMPANY | $176 | — | $176 | 6.34% |
| MODEL INS & FINL GRP LLC3 | 15800 PINES BLVD #208 PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 5.93% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 2.99% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETE, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 2.72% |
| MICHELLE REMBERTA LOCICERO3 Filed as: MICHELLE REMBERTA LOCICIERO | 7526 CATTLE DRIVE PLANT CITY, FL 33565 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 2.63% |
| MICHELLE LAMPERT3 | 4611 N FEDERAL HIGHWAY APT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 1.20% |
| INSURE PLEX3 | 13200 SW 128TH STREET BUILDING G MIAMI, FL 33186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.58% |
| MARIA E GADEA3 Filed as: MARIA MORALES | 3905 NW 107TH AVE STE 410 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.49% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.45% |
| 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 | $1 | — | $1 | 0.04% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $944K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 129 | $82K |
| Other(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 129 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
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.