| 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 OPTIONS | $38K | — | $38K | 6.00% |
| NE SOLUTIONS, INC.3 Filed as: NE SOLUTIONS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 12.72% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| 360 WEALTH & BENEFITS, INC3 | 4017 W DR MARTIN LUTHER KING JR BLV SUITE 203 TAMPA, FL 33614 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $491 | — | $491 | 0.95% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE MIAMI, FL 33133 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $398 | — | $398 | 0.77% |
| RAFAEL JOSE VALDES3 Filed as: RAFAEL VALDES | 7540 SW 56 COURT MIAMI, FL 33143 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $46 | — | $46 | 0.09% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH ST STE G1 MIAMI, FL 33186 | USABLE LIFE | $2K | — | $2K | 13.14% |
| 360 WEALTH & BENEFITS, INC3 | 4017 W DR MARTIN LUTHER KING JR BLV SUITE 203 TAMPA, FL 33614 | USABLE LIFE | $155 | — | $155 | 1.22% |
| BLUE CROSS BLUE SHIELD OF FLORIDA1 Filed as: BLUE CROSS CLUE SHIELD OF FLORIDA | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $110 | — | $110 | 0.87% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND STREET STE 226 MIAMI, FL 33173 | HUMANA INSURANCE COMPANY | $711 | — | $711 | 9.11% |
| KEITH ANTHONY GROESBECK3 Filed as: KEITH GROESBECK | 4017 W DR MARTIN LUTHER KING JR BLV SUITE 203 TAMPA, FL 33618 | HUMANA INSURANCE COMPANY | $66 | — | $66 | 0.85% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE OPTIONS | 70 | $636K |
| Vision | HUMANA INSURANCE COMPANY | 65 | $8K |
| Life insurance | USABLE LIFE | 135 | $13K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 51 | $52K |
| Other | USABLE LIFE | 135 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.