| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | HUMANA MEDICAL PLAN, INC. | $46K | $0 | $46K | 5.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $20K | 17.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.96% |
| SHERILL ASHLEY HERNANDEZ3 Filed as: SHERILL ASHLEY - HERNANDEZ | 10933 NW 55TH ST CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.49% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN A HERNANDEZ AND VARIOUS | OTHER AGENTS 6750 N ANDREWS AVE FORT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $752 | $0 | $752 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | EYEMED VISION CARE | $976 | $0 | $976 | 9.13% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 372 | $871K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $111K |
| Vision | EYEMED VISION CARE | 184 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $111K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $111K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.