| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | — | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $2K | — | $2K | 1.15% |
| FORTUN INSURANCE INC3 | 365 PALERMO AVE CORAL GABLES, FL 331346607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.79% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI GARDENS, FL 33169 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $694 | — | $694 | 1.95% |
| FORTUNE INSURANCE AGENCY3 | 365 PALERMO AVE CORAL GABLES, FL 331346607 | HUMANA INSURANCE COMPANY | $721 | — | $721 | 12.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $60K |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $36K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $36K |
| Life insurance | HUMANA INSURANCE COMPANY | 119 | $6K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 127 | $215K |
| Other | HUMANA INSURANCE COMPANY | 119 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.