| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $7K | $38K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | AFLAC | $5K | $0 | $5K | 7.03% |
| AILEEN KEENAN3 Filed as: AILEEN M. KEENAN | 9603 NW 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $2K | $346 | $3K | 4.14% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH AND OTHER AGENTS | 1372 COVELL ROAD BROCKPORT, NY 14420 | AFLAC | $2K | $280 | $2K | 2.72% |
| JUAN C SOSA3 Filed as: JUAN C. SOSA | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | AFLAC | $937 | $98 | $1K | 1.52% |
| MICHAEL BENDER3 | 1803 RESEARCH BOULEVARD, SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $701 | $309 | $1K | 1.48% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $755 | $0 | $755 | 1.11% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D. LEE | 759 SW FEDERAL HIGHWAY, SUITE 218 STUART, FL 34994 | AFLAC | $298 | $0 | $298 | 0.44% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $612K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $612K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $612K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $612K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $680K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $612K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $612K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.