| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SYMETRA LIFE INSURANCE COMPANY | $0 | $75K | $75K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | DELTA DENTAL OF NEW JERSEY, INC. | $13K | $0 | $13K | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $10K | 19.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | $0 | $2K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ALPHA DENTAL PROGRAMS, INC. | $1K | $0 | $1K | 6.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $829 | $3K | 15.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE UNIT B FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $949 | $672 | $2K | 15.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $388 | $273 | $661 | 18.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $514 | $514 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | — |
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 | 726 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 88 | $193K |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 1,050 | $544K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 1,066 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 726 | $50K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $0 |
| Prescription drug | TRIPLE S SALUD, INC. | 5 | $25K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 969 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,066 | — |
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.