| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES RD STE 240W BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $103K | $103K | 4.74% |
| MY MED PLAN3 | 601 N CONGRESS AVE STE 434 DELRAY BEACH, FL 33445 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 10.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $73 | $73 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MANAGEMENT | SERVICES 300 SE 2ND STREET SUITE 740 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $439 | $0 | $439 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF RD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $302 | $0 | $302 | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF RD GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $273 | $0 | $273 | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $191 | $1K | 10.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $130 | $13 | $143 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PARKWAY SUTIE 300 WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 8.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $214 | $0 | $214 | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MANAGEMENT | SERVICES 300 SOUTHEAST 2ND STREET SUITE 740 FORT LAUDERDALE, FL 33301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | $0 | $409 | 9.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | $0 | $43 | 0.95% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $2.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $97K |
| Vision | HUMANA INSURANCE COMPANY | 133 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $31K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.