| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 STE 300 TEQUESTA, FL 33469 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 STE 300 TEQUESTA, FL 33469 | HEALTH OPTIONS, INC. | $9K | — | $9K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.94% |
| ROGERS BENEFIT GROUP INC3 | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 SUITE 3 TEQUESTA, FL 33469 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 STE 3 TEQUESTA, FL 33469 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 STE 3 TEQUESTA, FL 33469 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $586 | $2K | 20.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 SUITE 330 JUPITER, FL 33469 | THE GUARDIAN LIFE INSURANCE COMPANY | $822 | $148 | $970 | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 STE 3 TEQUESTA, FL 33469 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | $301 | $753 | 16.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $3 | — | $3 | 11.54% |
| ROGERS BENEFIT GROUP INC3 | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF COLORADO, INC. | — | $1 | $1 | 3.85% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 55 | $800K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 66 | $47K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 66 | $47K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 55 | $800K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.