Miami Automotive Retail, Inc.
Updated Filing received by DOL
Miami Automotive Retail, Inc., a retail — stores, food, auto, clothing employer in Miami, Florida, reported 1,002 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 19 insurance contracts with no premium reported and $409,977 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 1, 2025, before the deadline.
Who was paid on Miami Automotive Retail, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Miami Automotive Retail, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Schaumburg, IL | $222,721 | $7,538 | $230,259 | 23 |
| Eoi Service Company Inc · Anaheim, CA | $83,479 | $0 | $83,479 | 3 |
| EPIC Insurance Brokers · Irvine, CA | $39,117 | $3,486 | $42,603 | 2 |
| Employer Benefits Consulting LLC · Miami, FL | $750 | $29,923 | $30,673 | 3 |
| Amwins Group Benefits, LLC · North Kingstown, RI | $0 | $9,759 | $9,759 | 3 |
| Webtpa · Irving, TX | $0 | $5,400 | $5,400 | 1 |
| OneDigital · Atlanta, GA | $4,846 | $0 | $4,846 | 3 |
| Web Tpa · Irving, TX | $0 | $2,946 | $2,946 | 2 |
| Excelsior Benefits · Excelsior, MN | $13 | $0 | $13 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| United Healthcare Insurance Companydental | 748 | — | $33,728 | — |
| United Healthcare Insurance Companyvision | 602 | — | $5,625 | — |
| Aetna Life Insurance Companydental, vision | 266 | — | $18,061 | — |
| Aetna Health, Inc.vision, HMO | 245 | — | $57,750 | — |
| Transamerica Life Insurance Co.health | 126 | — | $20,169 | — |
| Metropolitan Life Insurance Companycoverage not coded | 307 | — | $30,390 | — |
| Metropolitan Life Insurance Companycoverage not coded | 271 | — | $40,447 | — |
| Metropolitan Life Insurance Companycoverage not coded | 231 | — | $48,939 | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 1,571 | — | $71,781 | — |
| Hartford Life and Accidentlife, short-term disability, long-term disability | — | — | — | — |
| United Healthcare Insurance Companyhealth, dental, vision | 212 | — | $12,150 | — |
| Transamerica Life Insurance Co.health | 126 | — | $9,623 | — |
| Transamerica Life Insurance Co.health | 42 | — | $4,721 | — |
| United Healthcare Insurance Companyhealth | 625 | — | $27,272 | — |
| Eyemedvision | 82 | — | $106 | — |
| Healthkeepers, Inc. (g1608)health, PPO | 119 | — | $18,885 | — |
| Delta Dental of Virginiadental | 145 | — | $1,948 | — |
| United of Omaha Life Insurance Companylife, short-term disability, long-term disability | 111 | — | $8,382 | — |
| Hartford Life and Accidentlife, short-term disability, long-term disability | — | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Miami Automotive Retail, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 132 | 1,002 | +659.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $106,827 | $409,977 | +283.8% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Miami Automotive Health and Welfare Benefit Plan#516 · insurance, general assets | May 31, 2025 | December 1, 2025 | before deadline | 1,002 |
| Miami Automotive Employee Welfare Benefit Plan#510 · final filing · insurance, general assets | December 31, 2024 | April 18, 2025 | before deadline | 502 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Miami Automotive Retail, Inc. pay in health insurance broker commissions in 2024?
Miami Automotive Retail, Inc.'s 2024 Form 5500 reports $409,977 in broker commissions and fees across 19 insurance contracts ($350,925 in commissions, $59,052 in fees), with Marsh McLennan Agency receiving the largest share.
Is Miami Automotive Retail, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Transamerica Life Insurance Co., United Healthcare Insurance Company, Healthkeepers, Inc. (g1608).
How does Miami Automotive Retail, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Miami Automotive Retail, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.