| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH, INC. | $17K | — | $17K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 7.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERR DORAL, FL 33172 | AETNA LIFE INSURANCE CO. | $531 | — | $531 | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1780 N KROME AVE HOMESTEAD, FL 33031 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $220 | $220 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | -$1 | -$1 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $471 | — | $471 | 7.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERR DORAL, FL 33172 | AETNA LIFE INSURANCE CO. | $167 | — | $167 | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCLENNAN AGENCY LLC MARSH & SEITLIN | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.91% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC. | 101 STARCREST DRIVE CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.33% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 52 | $721K |
| Dental | AETNA LIFE INSURANCE CO. | 88 | $20K |
| Vision | AETNA LIFE INSURANCE CO. | 90 | $6K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $20K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $17K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.