| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $6K | 14.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $53 | $3K | 9.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $299 | $299 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.09% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS, LLC | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.03% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 12.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, USA | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TRANSAMERICA LIFE INSURANCE COMPANY | $986 | $0 | $986 | 9.02% |
| R.L. EVANS COMPANY, INC.3 Filed as: EVANS INSURANCE, LLC | 4312 DIAMOND TERRACE WESTON, FL 33331 | TRANSAMERICA LIFE INSURANCE COMPANY | $986 | $0 | $986 | 9.02% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $486 | $486 | 4.45% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 16.78% |
| JACQUELINE BARBARA TIFFER3 | 15225 SW 140TH STREET MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $37 | $89 | 1.10% |
| JANET IBANEZ3 | 5110 NW COVENTRY CIRCLE PORT SAINT LUCIE, FL 34986 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $23 | $75 | 0.93% |
| AC INSURANCE SERVICES LLC3 Filed as: AC INSURANCE SERVICES, LLC | 328 NORTH OCEAN BOULEVARD APARTMENT 1507 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.57% |
| SHARON R NOWELL3 Filed as: SHARON R. NOWELL | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| WILLIAM GARDNER EICHHORN3 | 3450 CHAPEL CREEK CIRCLE WESLEY CHAPEL, FL 33544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 31 | $371K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $33K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $51K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $43K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 31 | $360K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.