| 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 | $49K | $421K | $470K | 4.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $113K | $30K | $143K | 15.77% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 2.60% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 WEST HILLSBORO BOULEVARD SUITE 2-102 DEERFIELD BEACH, FL 33441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 NORTH STARCREST DRIVE CLEARWATER, FL 33765 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 1.45% |
| TAMZEN TIMA-HIU3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $0 | $372 | $372 | — |
| MARY SANCHEZ3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $0 | $82 | $82 | — |
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 | 1,866 | 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) | 1,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,422 | $10.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,422 | $9.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,422 | $9.8M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,886 | $1.0M |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,886 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,886 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,422 | $10.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,886 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,422 | — |
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.
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.