| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $374 | $5K | 11.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $257 | $6K | 18.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $460 | $3K | 17.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $94 | $2K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM INSURANCE COMPANY | $809 | $86 | $895 | 11.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | UNUM INSURANCE COMPANY | $799 | $40 | $839 | 15.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLERWATER, FL 33765 | UNUM INSURANCE COMPANY | $413 | $46 | $459 | 13.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 14.72% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 79 | $50K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 79 | $50K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $17K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.