| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEREMY M. STRAUB3 | 315 WEST TOWN PLACE SAINT AUGUSTINE, FL 32092 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $11K | $14K | 16.96% |
| JENNA BIENENFELD3 | 1585 JEFFERSON STREET TEANECK, NJ 07666 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.92% |
| HOWARD N. BIENENFELD3 | 1000 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| MITCHELL BRADLEY STARR3 | 1000 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.26% |
| BROOKE NICOLE BIENENFIELD3 | 1000 CORPORATE DRIVE SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.24% |
| JEREMY STRAUB3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 1100 FORT LAUDERDALE, FL 33308 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $434 | $434 | 0.52% |
| BIENENFELD, LASEK, & STARR LLC3 Filed as: BIENENFELD LASEK AND STARR, LLC | 1000 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 33334 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| DI SPECIALIST INC3 Filed as: DI SPECIALIST, INC. | 1120 NE 2ND STREET FORT LAUDERDALE, FL 33301 | MUTUAL OF OMAHA INSURANCE COMPANY | $917 | — | $917 | 3.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 5.02% |
| THE NIA GROUP3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $284 | $284 | 1.05% |
| EAST REGION, MMA3 Filed as: EAST REGION | TRION GROUP KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $14 | $14 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $962 | $0 | $962 | 8.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $682 | $0 | $682 | 10.00% |
| BENEFITMALL3 | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $341 | $341 | 5.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $85K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $7K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 119 | $110K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 36 | $31K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 119 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $2.2M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 25 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.