| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $0 | $69K | 7.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.72% |
| LOCKTON COMPANIES, LLC3 | COMMERCEBANK KANSAS CITY, MO 64101 | METROPOLITAN LIFE INSURANCE COMPANY | -$6 | $0 | -$6 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE, SUITE 400 FORT LAURDERDALE, FL 33334 | PETERSON INTERNATIONAL UNDERWRITERS | $34K | $0 | $34K | 28.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 2.14% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | $0 | $432 | 3.15% |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | $0 | $197 | 1.44% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.69% |
| TOMAS E FLORES3 | 5711 JEFFERSON STREET APARTMENT 308 WEST NEW YORK, NY 07093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.18% |
| REUBEN WARNER ASSOCIATES, INC.3 | 300 CONNELL DRIVE, SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $644 | $483 | $1K | 10.12% |
| DENNIS C WONG3 | PO BOX 26496 HONOLULU, HI 96825 | HARTFORD LIFE AND ACCIDENT | $53 | $0 | $53 | 0.48% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $796 | $0 | $796 | 7.18% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $440 | $0 | $440 | 3.97% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY, LLC | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $375 | $0 | $375 | 3.38% |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 902 | $98K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,537 | $962K |
| Short-term disability(2 contracts, 2 carriers) | PETERSON INTERNATIONAL UNDERWRITERS | 71 | $130K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,537 | $962K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,537 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,537 | — |
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.