| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $93K | $93K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CAPITAL HEALTH PLAN | $3K | — | $3K | 3.36% |
| DARLING J LIE NIELSEN3 | 201 ALHAMBRA CIRCLE SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $749 | $261 | $1K | 4.66% |
| CHARLES RICHARD DOWNS3 | 2 SOUTH BUSCAYNE BLVD SUITE 2200 MIAMI, FL 33131 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $749 | $171 | $920 | 4.24% |
| ROBERT J POLEO3 | 201 ALHAMBRA CIRCLE SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $50 | $50 | 0.23% |
| CHARLES E MC INTYRE3 Filed as: CHARLES E MCINTYRE | 1200 NORTH FEDERAL HIGHWAY SUITE 300 BOCA RATON, FL 33432 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $25 | $2 | $27 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SOLSTICE BENEFITS, INC. | $949 | — | $949 | 10.00% |
| MJ INSURANCE3 Filed as: OTHER VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 4.84% |
| THOMAS C CUNDY REVOCABLE TRUST3 | 600 BRICKELL AVE 23RD FL MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 3.46% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | ALLSTATE | $2K | — | $2K | 53.54% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.9M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 323 | $81K |
| Vision | SOLSTICE BENEFITS, INC. | 285 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $130K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $130K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $130K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.