| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74 | $74 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TRUSTMARK INSURANCE COMPANY | $18K | — | $18K | 28.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE UINT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 18.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 28.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 16.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.99% |
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 | 673 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 924 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 919 | $329K |
| Vision | HUMANA INSURANCE COMPANY | 339 | $50K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 673 | $235K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 183 | $63K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 673 | $235K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 924 | $4.9M |
| Other | AETNA LIFE INSURANCE COMPANY | 673 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.