| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST. STE G1 MIAMI, FL 33186 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $23K | $23K | 2.97% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST. STE G1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE CO. | $14K | $0 | $14K | 15.59% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $8K | $8K | 9.31% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $5K | $5K | 5.92% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE CO. | $1K | $0 | $1K | 1.62% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST. STE G1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE CO. | $6K | $0 | $6K | 17.02% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE CO. | $4K | $0 | $4K | 11.40% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $3K | $3K | 9.52% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $2K | $2K | 7.17% |
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) | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $896K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $772K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $772K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.