| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS INC. | 2250 SW 185 AVE. MIRAMAR, FL 33029 | AETNA LIFE INSURANCE CO. | $40K | — | $40K | 5.77% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: BRUCE SILVERSTEIN | 2250 SW 185 AVENUE MIRAMAR, FL 33029 | COMPANION LIFE INSURANCE COMPANY | $44K | — | $44K | 7.99% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | COMPANION LIFE INSURANCE COMPANY | $35K | — | $35K | 6.41% |
| JAMES RAMAGE3 Filed as: JAMES C RAMAGE | 6151 LAKE OSPREY DRIVE, 3RD FLOOR SARASOTA, FL 34202 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 2.42% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS INC. | 2250 SW 185 AVE. MIRAMAR, FL 33029 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 4.48% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: BRUCE CHASKIN | 2250 SW 185TH AVENUE MIRAMAR, FL 33029 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 15.56% |
| GROUP BENEFIT CONCEPTS INC3 | 2250 SW 185TH AVE MIRAMAR, FL 33029 | HYATT LEGAL PLANS | $2K | — | $2K | 11.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC. INSURANCE SERVICES | Insurance services Service code 23 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $329K |
| GROUP BENEFIT CONCEPTS INC. INSURANCE AGENTS AND B | Insurance agents and brokers Service code 22 | 2250 SW 185 AVE. MIRAMAR, FL 33029 | $158K |
| AMERICAN HEALTH DATA INSTITUTE INSURANCE SERVICES | Insurance services Service code 23 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $58K |
| DAVID MORRIS INSURANCE SERVICES | Insurance services Service code 23 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | $45K |
| RGI, LLC INSURANCE SERVICES | Insurance services Service code 23 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $28K |
| MULTIPLAN INSURANCE SERVICES | Insurance services Service code 23 | 115 5TH AVENUE 7TH FLOOR NEW YORK, NY 10003 | $22K |
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 | 936 | 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) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 936 | $1.5M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 936 | $1.2M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 936 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $234K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $234K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $234K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.