| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST SUITE 100 MIAMI, FL 33178 | AETNA HEALTH, INC. | $16K | — | $16K | 3.90% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | AETNA HEALTH, INC. | $3K | — | $3K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST SUITE 199 MIAMI, FL 33178 | AETNA HEALTH, INC. | $10K | — | $10K | 5.03% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | AETNA HEALTH, INC. | $1K | — | $1K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA HEALTH, INC. | $2K | $32 | $2K | 2.92% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | AETNA HEALTH, INC. | $1K | — | $1K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.93% |
| ANDRES F FERNANDEZ3 | 2525 PONCE DE LEON BLVD CORAL GABLES, FL 33134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $786 | — | $786 | 1.78% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL INC | 2 S BISCAYNE BLVD SUITE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.06% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 24 | $66K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $44K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.