| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $44K | $0 | $44K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS | $33K | $0 | $33K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $15K | 11.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $844 | $4K | 7.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNIVERA HEALTHCARE | $7K | $0 | $7K | 19.81% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE ROUTE 7, SUITE 1 COBLESKILL, NY 12043 | UNIVERA HEALTHCARE | $2K | $0 | $2K | 6.60% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | TRUSTMARK INSURANCE COMPANY | $617 | $0 | $617 | 1.67% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2-102 DEERFIELD BEACH, FL 33441 | COMBINED INSURANCE | $361 | $0 | $361 | 10.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | COMBINED INSURANCE | $155 | $0 | $155 | 4.50% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 213 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $125K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $90K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $53K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 213 | $2.0M |
| Other | TRUSTMARK INSURANCE COMPANY | 42 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.