| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.72% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $16K | $24K | 3.77% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 16.98% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.34% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 21.91% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 5.54% |
| EMPLOYER BENEFITS CONSULTING LLC5 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 14.80% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 7.86% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 6.11% |
| EXCELSIOR BENEFITS LLC5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 2.49% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 1.75% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 19.75% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $714 | — | $714 | 1.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $186 | $186 | 0.37% |
| EMPLOYER BENEFITS CONSULTING LLC5 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 22.29% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 20.85% |
| EXCELSIOR BENEFITS LLC5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 18.96% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 18.63% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $263 | — | $263 | 4.63% |
| EMPLOYER BENEFITS CONSULTING LLC5 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $600 | — | $600 | 20.53% |
| EXCELSIOR BENEFITS LLC5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $500 | — | $500 | 17.11% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $464 | — | $464 | 15.87% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $412 | — | $412 | 14.10% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $103 | — | $103 | 3.52% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.3M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 124 | $323K |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 124 | $323K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 124 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.