| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | QBE INSURANCE | $0 | $37K | $37K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $2K | $37K | 8.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 N W 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $1K | $30K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PETERSEN INTERNATIONAL UNDERWRITERS | $24K | $0 | $24K | 28.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $328 | $13K | 15.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $303 | $7K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $240 | $7K | 10.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $228 | $5K | 8.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 4.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.50% |
| CAP STEWART4 | 5701 WALDEN WOODS CT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 7.62% |
| CROUSE COMPANY LLC4 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $894 | $0 | $894 | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $701 | $0 | $701 | 4.78% |
| LYNDA BLANKENSHIP4 | 2442 WOODBINE AVE KNOXVILLE, TN 37917 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $44 | $0 | $44 | 0.30% |
| ANA MARIA LEON3 Filed as: ANA M LEON | 7400 SW 50TH TERRACE STE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 27.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN BENEFITS CORPORATION | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $860 | $0 | $860 | 15.25% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE STE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $480 | $0 | $480 | 8.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $240 | $240 | — |
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 | 736 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 38 | $23K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $40K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 865 | $111K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 736 | $597K |
| Short-term disability(2 contracts, 2 carriers) | PETERSEN INTERNATIONAL UNDERWRITERS | 129 | $153K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 715 | $351K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 997 | $741K |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 736 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.
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.