| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIS INSURANCE SERVICES3 Filed as: REGIS INSURANCE ASERVICES INC | 10625 N KENDALL DRIVE MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $156K | — | $156K | 4.90% |
| JOSEPH RODRIGUEZ3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $830 | — | $830 | 0.03% |
| REGIS INSURANCE SERVICES3 Filed as: REGIS INSURANCE ASERVICES INC | 10625 N KENDALL DRIVE BUILDING 200 MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 5.70% |
| JOSEPH RODRIGUEZ3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| BENTRUST FINANCIAL3 | 701 WATERFORD WAY #300 MIAMI, FL 33126 | UNUM INSURANCE COMPANY OF AMERICA | $27K | $20K | $47K | 27.35% |
| REGIS INSURANCE SERVICES3 Filed as: REGIS INSURANCE ASERVICES INC | 10625 N KENDALL DRIVE MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 7.82% |
| JOSEPH RODRIGUEZ3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| LORING WADLEY | 6650 SUGARLOAF PKWY STE 300 DULUTH, GA 30097 | VISION SERVICE PLAN | $2K | — | $2K | 2.26% |
| REGIS INSURANCE SERVICES Filed as: REGIS INSURANCE SERVICES INC | 10625 N KENDALL DRIVE MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 5.10% |
| BENTRUST FINANCIAL3 | 701 WATERFORD WAY #300 MIAMI, FL 33126 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 25.87% |
| BENTRUST FINANCIAL3 | 701 WATERFORD WAY #300 MIAMI, FL 33126 | UNUM INSURANCE COMPANY | $3K | — | $3K | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 617 | $3.2M |
| Dental(2 contracts) | HUMANA INSURANCE COMPANY | 3,973 | $329K |
| Vision | VISION SERVICE PLAN | 581 | $80K |
| Life insurance(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 3,973 | $435K |
| Long-term disability | UNUM INSURANCE COMPANY | 65 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,973 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.