| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS3 | 10446 NE 31ST TER DORAL, FL 33172 | AETNA | $3K | $19K | $22K | 5.56% |
| HR BENEFITS3 | 10446 NW 31ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FINANCIAL DESIGNS INC3 | 8000 NW 7TH ST #201 MIAMI, FL 33126 | UNITEDHEALTHCARE INSURANCE COMPANY | $790 | — | $790 | 1.49% |
| ROGERS BENEFIT GROUP INC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $334 | — | $334 | 0.63% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 84 | $394K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $53K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.