| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA HEALTH, INC. | $25K | — | $25K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 5.03% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS. INC. AND | VARIOUS OTHER AGENTS 101 STARCREST DRIVE CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $1K | — | $1K | 10.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $448 | — | $448 | 3.23% |
| DWIGHT L PIERCE AND3 | VARIOUS OTHER AGENTS 233 SCHERMERHORN STREET #9H BROOKLYN, NY 11201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $112 | — | $112 | 6.44% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 101 | $751K |
| Dental | AETNA LIFE INSURANCE COMPANY | 101 | $233K |
| Vision | AETNA LIFE INSURANCE COMPANY | 101 | $233K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 101 | $249K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 9 | $16K |
| Other | AETNA LIFE INSURANCE COMPANY | 101 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.