| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET SUITE G-1 MIAMI, FL 33186 | AETNA HEALTH, INC. | $27K | — | $27K | 2.74% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G MIAMI, FL 33186 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 14.40% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $857 | — | $857 | 14.46% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET STE G MIAMI, FL 33186 | COMPBENEFITS COMPANY | $696 | — | $696 | 12.46% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET BLDG G MIAMI, FL 33186 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 413.12% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 116 | $94K |
| Vision | HUMANA INSURANCE COMPANY | 116 | $89K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 116 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.