| 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 | $1K | $23K | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 10.22% |
| US BENTEC WORKPLACE SOLUTIONS3 | AND VARIOUS OTHER AGENTS 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $176 | $0 | $176 | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $118 | $0 | $118 | 1.80% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS. INC. | 101 STARCREST DRIVE CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $8 | $0 | $8 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $658 | $0 | $658 | 10.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $477 | $66 | $543 | 17.29% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $52 | $0 | $52 | 3.46% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS, INC | PO BOX 6090 CLEARWATER, FL 33758 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $40 | $0 | $40 | 2.66% |
| BURKE BRUCE3 | 832 DEKALB AVE 5C BROOKLYN, NY 11221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $10 | — | $10 | 0.66% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 53 | $658K |
| Dental | AETNA LIFE INSURANCE CO. | 82 | $15K |
| Vision | AETNA LIFE INSURANCE CO. | 86 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 109 | $3K |
| Other | HARTFORD LIFE AND ACCIDENT | 109 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.