| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS INC. | 18459 PINES BLVD STE 220 PEMBROKE PINES, FL 33029 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $277K | $315K | 6.62% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GROUP BENEFIT CONCEPTS INC3 | 428 NE 17TH WAY FT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 14.91% |
| ACRISURE LLC3 | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | — | $35 | 0.09% |
| GROUP BENEFIT CONCEPTS INC3 | 428 NE 17TH WAY FT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 14.93% |
| ACRISURE LLC3 | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| GROUP BENEFIT CONCEPTE, INC.3 | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GROUP BENEFIT CONCEPTS INC3 | 428 NE 17TH WAY FT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 14.76% |
| ACRISURE LLC3 | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.24% |
| GROUP BENEFIT CONCEPTS INC3 | 428 NE 17TH WAY FT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.87% |
| ACRISURE LLC3 | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29 | — | $29 | 0.13% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 2250 SW 185TH AVENUE MIRAMAR, FL 33029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 40.64% |
| GROUP BENEFIT CONCEPTS INC3 | 2250 SW 185TH AVE MIRAMAR, FL 33029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 33.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS INC | 5080 SPECTRUM DR STE 900 EAST ADDISON, TX 75001 | HYATT LEGAL PLANS INC | $777 | $36 | $813 | 6.37% |
| GROUP BENEFIT CONCEPTS INC3 | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | HYATT LEGAL PLANS INC | $389 | — | $389 | 3.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5605 GLENRIDGE DRIVE STE 300 ATLANTA, GA 30342 | HYATT LEGAL PLANS INC | — | $16 | $16 | 0.13% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 428 NE 17TH WAY FORT LAUDERDALE, FL 33301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 860 | 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) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,102 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,102 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,102 | $4.8M |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 620 | $109K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 618 | $137K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $74K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 620 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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.