| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | BLUE CROSS BLUE SHIELD OF FLORIDA | $66K | — | $66K | 5.97% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $8K | $27K | 18.95% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $5K | — | $5K | 12.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET | $10K | — | $10K | 31.55% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE MIAMI, FL 33133 | WELLFLEET | $5K | — | $5K | 13.93% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $3K | — | $3K | 9.54% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET | $1K | — | $1K | 7.17% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE. MIAMI, FL 33133 | WELLFLEET | $866 | — | $866 | 4.48% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $66 | — | $66 | 0.34% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $6K | — | $6K | 32.47% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT MIAMI, FL 33143 | PROSPERITY LIFE GROUP | $3K | — | $3K | 14.31% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE MIAMI, FL 33133 | PROSPERITY LIFE GROUP | $2K | — | $2K | 8.21% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH CT. STE. 1612 MIAMI, FL 33156 | WELLFLEET | $3K | — | $3K | 31.87% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT. MIAMI, FL 33143 | WELLFLEET | $1K | — | $1K | 12.53% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE. MIAMI, FL 33133 | WELLFLEET | $1K | — | $1K | 10.61% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 177 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $142K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $142K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $142K |
| Other(5 contracts, 2 carriers) | PROSPERITY LIFE GROUP | 142 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.