| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $105K | — | $105K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 5.80% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS III, DAVID | 600 CORPORATE DR, SUITE 305 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 4.12% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.37% |
| MICHAEL ROSENBERG3 | 4199 NW 28TH WAY BOCA RATON, FL 33434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$5K | — | -$5K | -4.11% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FT. LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.34% |
| MICHAEL ROSENBERG3 | 4199 NW 28TH WAY BOCA RATON, FL 33434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$4K | — | -$4K | -4.14% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FT. LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.34% |
| MICHAEL ROSENBERG3 | 4199 NW 28TH WAY BOCA RATON, FL 33434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$4K | — | -$4K | -4.11% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FT. LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| MICHAEL ROSENBERG3 | 4199 NW 28TH WAY BOCA RATON, FL 33434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$1K | — | -$1K | -2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - SEITL | 2405 LUCIEN WAY SUITE 275 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.67% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR STE 650 FT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFITS | 600 CORPORATE DRIVE SUITE 305 FT. LAUDERDALE, FL 33334 | TOKIO MARINE HCC | $1K | $382 | $1K | 6.79% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $1K | $382 | $1K | 6.79% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 369 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 453 | $390K |
| Vision | HUMANA INSURANCE COMPANY | 329 | $59K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 493 | $169K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 492 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $100K |
| Other | TOKIO MARINE HCC | 468 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.