| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $115K | $116K | 5.55% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $11K | $0 | $11K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $8K | $2K | $10K | 12.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | $0 | $3K | 4.41% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD OF TEXAS | $72 | $0 | $72 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $253 | $4K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $123 | $3K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.38% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $251 | $0 | $251 | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85 | $0 | $85 | 2.79% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | $0 | $37 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $67 | $0 | $67 | 7.81% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $42 | $0 | $42 | 4.90% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $42 | $0 | $42 | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | DEARBORN LIFE INSURANCE COMPANY | $79 | $0 | $79 | 15.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES 4851 LYNDON B JOHNSON FWY STE 100 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $25 | $0 | $25 | 4.80% |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 354 | $2.6M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 227 | $115K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 49 | $481K |
| Life insurance(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $90K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 33 | $27K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $61K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.