| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.44% |
| BENEFITS TECHNOLOGIES LLC3 | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $546 | — | $546 | 5.31% |
| DWIGHT L PIERCE3 Filed as: DWIGHT LEEROY PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | — | $359 | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $129 | $129 | 4.17% |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 578 | $805K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 578 | $794K |
| Vision | EYEMED VISION CARE | 390 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 342 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 342 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 342 | $54K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 578 | $794K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 342 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.