| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET MIAMI, FL 33178 | AETNA HEALTH INC | $0 | $43K | $43K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 NORTH ROUTE 17, SUITE 200 PARAMUS, NJ 07652 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 8.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $0 | $668 | $668 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $337 | $4K | 9.58% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225 | $0 | $225 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 NORTH ROUTE 17, SUITE 200 PARAMUS, NJ 07652 | HUMANA INSURANCE COMPANY | $765 | $0 | $765 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 NORTH ROUTE 17, SUITE 200 PARAMUS, NJ 07652 | COMPBENEFITS COMPANY | $630 | $0 | $630 | 9.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | COMPBENEFITS COMPANY | $0 | $90 | $90 | 1.33% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 274 | $688K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 102 | $67K |
| Vision | HUMANA INSURANCE COMPANY | 123 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $46K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $46K |
| Prescription drug | AETNA HEALTH INC | 274 | $688K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.