| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 NORTH KELLER ROAD, SUITE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $393 | $8K | 9.33% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET, NORTH SUITE 120 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 7.46% |
| DANA BRETT POLK3 | 10801 STARKEY ROAD, SUITE 104-321 SEMINOLE, FL 33777 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 5.64% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET NORTH, SUITE 120 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $72 | $4K | 5.18% |
| HARRY M BARASH3 | 2510 SUMMERDALE COURT CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| JOHN R PAPA & OTHER AGENTS3 | 4750 STONEVIEW CIRCLE OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $616 | $0 | $616 | 0.76% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $0 | $405 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | UNKNOWN MIAMI, FL 33178 | PREFERRED LEGAL | $5K | $0 | $5K | 21.33% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $682 | $0 | $682 | 7.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $382 | $382 | 4.33% |
| VIVIAN PLETZKE3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| GAVIN WILLIAMS3 | 8130 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 713 | 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) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 528 | $374K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 528 | $374K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 713 | $270K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 713 | $270K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 713 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.