| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HEALTH OPTIONS | $41K | — | $41K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHILED OF FLORIDA | $19K | — | $19K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $802 | $2K | 15.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | USABLE LIFE | $1K | — | $1K | 11.04% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHILED OF FLORIDA | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $701 | — | $701 | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $4K | $739 | $5K | 58.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMPBENEFITS COMPANY | $135 | $33 | $168 | 5.70% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 83 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 214 | $11K |
| Vision | HUMANA INSURANCE COMPANY | 214 | $8K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 214 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $15K |
| Other | USABLE LIFE | 122 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.