| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | BLUE CROSS BLUE SHIELD OF FLORIDA | $41K | $0 | $41K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FLORIDA COMBINED LIFE | $15K | $0 | $15K | 14.08% |
| BENEFITS TECHNOLOGIES LLC3 | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 33431 | USABLE LIFE | $17K | $0 | $17K | 26.12% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVE SOUTH SUITE 101 ISELIN, NJ 08830 | USABLE LIFE | $15K | $0 | $15K | 23.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | USABLE LIFE | $4K | $0 | $4K | 5.88% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $0 | $2K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 8.68% |
| FLORIDA BLUE3 Filed as: SHERNETTE HADLEY | 4800 DEERFIELD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 3.68% |
| SOLANGE CAMPUZANO3 Filed as: SOLANGE CAMPUZANNO | 4800 DEERWOOD CAMPUS PARKWAY #DC/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $287 | $0 | $287 | 0.45% |
| MAGGIE LUCAS3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $287 | $0 | $287 | 0.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.37% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $884 | $0 | $884 | 8.34% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 2,275 | $1.1M |
| Dental | FLORIDA COMBINED LIFE | 89 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 185 | $11K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 224 | $169K |
| Short-term disability | FLORIDA COMBINED LIFE | 224 | $104K |
| Long-term disability | FLORIDA COMBINED LIFE | 224 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 2,275 | $1.1M |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 224 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,275 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.