| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST MIAMI, FL 33186 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 0.72% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST MIAMI, FL 33186 | AETNA HEALTH, INC. | $9K | — | $9K | 2.88% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST MIAMI, FL 33186 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.35% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING | 13200 SW 128TH STREET SUITE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $10K | — | $10K | 14.59% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 7.70% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 5.99% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 2.65% |
| IMPACT INTERACTIVE LLC3 | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 1.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 13.83% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $576 | — | $576 | 2.42% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $35 | $35 | 0.15% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BUILDING G MIAMI, FL 33186 | FIDELITTY SECURITY LIFE INSURANCE | $2K | $2K | $3K | 19.50% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 72.67% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $624 | $624 | 5.69% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BUILDING G MIAMI, FL 33186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 20.87% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 31.65% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 24.62% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING | 13200 SW 128TH STREET SUITE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 20.65% |
| IMPACT INTERACTIVE LLC3 | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $434 | — | $434 | 7.03% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $232 | — | $232 | 3.76% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 300 | $1.8M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 300 | $1.8M |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 300 | $1.8M |
| Life insurance | FIDELITTY SECURITY LIFE INSURANCE | 34 | $18K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 34 | $8K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 154 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.