| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $7K | $32K | 19.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPOATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 | AND VARIOUS OTHER BROKERS 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $0 | $283 | 16.02% |
| ROBERT EARL PETERS3 | 307 GARDENDALE RD TERRE HAUTE, IN 47803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.28% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.11% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $2K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 329 | $163K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 329 | $163K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 200 | $167K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 200 | $167K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 200 | $167K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 148 | $883K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 200 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.