| 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. | $22K | $0 | $22K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGENCY LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 10.68% |
| US BENTEC WORKPLACE SOLUTIONS3 | AND VARIOUS OTHER AGENTS 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $246 | $0 | $246 | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $137 | $0 | $137 | 1.75% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS. INC. | 101 STARCREST DRIVE CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $19 | $0 | $19 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $748 | $0 | $748 | 10.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $726 | $8 | $734 | 31.57% |
| DWIGHT L PIERCE AND3 | VARIOUS OTHER AGENTS 233 SCHERMERHORN STREET #9H BROOKLYN, NY 11201 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $152 | $0 | $152 | 9.97% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 47 | $693K |
| Dental | AETNA LIFE INSURANCE CO. | 104 | $16K |
| Vision | AETNA LIFE INSURANCE CO. | 106 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $2K |
| Other | HARTFORD LIFE AND ACCIDENT | 102 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.