| 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 | $2K | $5K | $7K | 0.99% |
| EMPLOYER BENEFITS CONSULTING LLC5 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $13K | — | $13K | 15.84% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 7.14% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 5.78% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 1.90% |
| EXCELSIOR BENEFITS LLC5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 1.32% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST BLDG G1 MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 18.28% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $875 | $875 | 1.98% |
| EMPLOYER BENEFITS CONSULTING LLC5 | 13200 SW 128TH STREET STE G-1 MIAMI, FL 33186 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 18.08% |
| EXCELSIOR BENEFITS LLC5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 15.07% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 8.40% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 6.78% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $437 | — | $437 | 2.36% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $806K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $704K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $704K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 185 | $44K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $44K |
| Other | HARTFORD LIFE AND ACCIDENT | 185 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.