| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $3K | $3K | $5K | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 SUITE 300 TEQUESTA, FL 33469 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $907 | $21 | $928 | 5.80% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $73 | $823 | 5.14% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $88 | $518 | 3.24% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC AND OTHER | VARIOUS AGENTS 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | $50 | $362 | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 218 S US HIGHWAY 1 SUITE 300 TEQUESTA, FL 33469 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $205 | $1K | 19.26% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 133 | $780K |
| Dental | AETNA LIFE INSURANCE CO. | 133 | $764K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $7K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.