| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 3.50% |
| AILEEN KEENAN3 Filed as: AILEEN M. KEENAN | 9603 NW 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $4K | $224 | $5K | 6.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 DORAL, FL 33178 | AFLAC | $4K | $0 | $4K | 6.30% |
| JUAN C. SOSA AND OTHER AGENTS3 | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | AFLAC | $1K | $223 | $2K | 2.45% |
| LESLIE HALL MCCORMICK3 | 31633 BOSTON ROAD DOZIER, AL 36028 | AFLAC | $791 | $30 | $821 | 1.21% |
| MICHAEL BENDER3 | 1803 REAERCH BOULEVARD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $693 | $62 | $755 | 1.11% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCESTER, NY 14620 | AFLAC | $565 | $0 | $565 | 0.83% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D. LEE | 759 SW FEDERAL HIGHWAY SUITE 218 STUART, FL 34994 | AFLAC | $450 | $77 | $527 | 0.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $283 | $3K | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $2K | — | $2K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 9.38% |
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 | 85 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 45 | $484K |
| Dental | FLORIDA COMBINED LIFE | 46 | $27K |
| Vision | FLORIDA COMBINED LIFE | 46 | $27K |
| Life insurance | USABLE LIFE | 85 | $38K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 85 | $106K |
| Long-term disability | USABLE LIFE | 85 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 45 | $484K |
| Other(2 contracts, 2 carriers) | AFLAC | 85 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.