| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | COVENTRY HEALTH CARE OF FLORIDA, INC. | $30K | — | $30K | 5.28% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE MIAMI, FL 33172 | COVENTRY HEALTH CARE OF FLORIDA, INC. | $4K | — | $4K | 0.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | UNITED HEALTHCARE INSURANCE COMPANY | $760 | — | $760 | 2.95% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 33172 | UNITED HEALTHCARE INSURANCE COMPANY | $668 | — | $668 | 2.59% |
| VESTAMERICA INC3 Filed as: VESTAMERICA INC. | 8639 NW 2ND LANE MIAMI, FL 33126 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 30.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET, 12TH FLOOR NEW YORK, NY 10038 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 19.56% |
| AON CONSULTING INC3 Filed as: AON HEWITT | P.O. BOX 905494 CHARLOTTE, NC 282905494 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $136 | — | $136 | 5.66% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31 TERRACE DORAL, FL 33172 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $101 | — | $101 | 4.21% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF FLORIDA, INC. | 244 | $572K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 4 | $26K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 50 | $2K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 112 | $6K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 112 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.