| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $35K | $0 | $35K | 11.80% |
| STONEWOLF BENEFITS3 Filed as: STONEWOLF BENEFITS INC. | 1395 BRICKWELL AVE SUITE 800 MIAMI, FL 33131 | HUMANA | $4K | $0 | $4K | 6.82% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $4K | $41 | $4K | 15.15% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $1K | $228 | $2K | 11.71% |
| STONEWOLF BENEFITS3 | 1395 BRICKELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $938 | $161 | $1K | 11.72% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $490 | $64 | $554 | 16.96% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $421 | $41 | $462 | 16.47% |
| LUIS F CHAVES3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $169 | $0 | $169 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STONEWOLF BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | $47K |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 80 | $295K |
| Dental | HUMANA | 83 | $58K |
| Vision | HUMANA | 83 | $58K |
| Life insurance | CIGNA | 77 | $28K |
| Short-term disability | CIGNA | 50 | $9K |
| Long-term disability | CIGNA | 50 | $13K |
| Other(3 contracts, 2 carriers) | CIGNA | 50 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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.