| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HOTALING3 Filed as: ROBERT M HOTALING | 8 FLETCHER PL MELVILLE, NY 11747 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 6.00% |
| ROBERT HOTALING3 Filed as: ROBERT M HOTALING | 8 FLETCHER PL MELVILLE, NY 11747 | HEALTH OPTIONS | $20K | — | $20K | 6.00% |
| AKUMEN MIH LLC3 Filed as: AKUMEN INSURANCE ADVISORS | 9300 NW 25TH ST STE 109 DORAL, FL 33172 | RELIANCE STANDARD | $5K | — | $5K | 10.00% |
| AKUMEN MIH LLC3 | 2301 NW 87TH AVE SUITE 401 DORAL, FL 33172 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| AKUMEN MIH LLC3 | 2301 NW 87TH AVE STE 401 DORAL, FL 33172 | RELIANCE STANDARD | $5K | — | $5K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $1K | — | $1K | 5.00% |
| AKUMEN MIH LLC3 | 2301 NW 87TH AVE SUITE 401 DORAL, FL 33172 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $689 | — | $689 | 5.00% |
| HOTALING INSURANCE SERVICES3 | 2013 CORAL WAY CORAL GABLES, FL 33145 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 18.05% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.04% |
| WEBTPA EMPLOYER SERVICES LLC3 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $1K | $1K | 12.37% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $451 | $451 | 4.93% |
| AKUMEN MIH LLC3 | 2301 NW 87TH AVE SUITE 401 DORAL, FL 33172 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81 | — | $81 | 25.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16 | — | $16 | 4.95% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD | 184 | $52K |
| Vision | RELIANCE STANDARD | 184 | $52K |
| Life insurance | RELIANCE STANDARD | 100 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 44 | $791K |
| Other(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.