| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AVMED HEALTH PLANS | $72K | $19K | $92K | 7.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $1K | $13K | 10.91% |
| ADVANCED PROTECTION INSURANCE GROUP3 | AND OTHER AGENTS 12540 SW 108 AVE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 7.80% |
| HIGH TECHNOLOGY RECRUITERS INC3 Filed as: HIGH TECHNOLOGY RECRUITERS INC. | 2540 MONTEREY COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.98% |
| CREATIVE BENEFIT CONSULTANTS INC3 | AND VARIOUS OTHER AGENTS 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 5.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.55% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $97 | $97 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSHH & MCLENNAN LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA INSURANCE COMPANY | $7K | $2K | $9K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | COMPBENEFITS COMPANY | $4K | $2K | $5K | 14.41% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED HEALTH PLANS | 288 | $1.4M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 107 | $106K |
| Vision | HUMANA INSURANCE COMPANY | 101 | $70K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $73K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $73K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $73K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.