| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 98550 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA HEALTH, INC. | — | $5K | $5K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CAPITAL HEALTH PLAN | $4K | — | $4K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.50% |
| DARLING J LIE NIELSEN3 | 201 ALHAMBRA CIRCLE SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $282 | $740 | $1K | 4.80% |
| ROBERT J POLEO3 | 201 ALHAMBRA CIRCLE SUITE 703 CORAL GABLES, FL 33134 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $55 | $55 | 0.26% |
| CHARLES E MC INTYRE3 Filed as: CHARLES E MCINTYRE | 1200 N FEDERAL HWY SUITE 300 BOCA RATON, FL 33432 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $28 | $2 | $30 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SOLSTICE BENEFITS, INC. | $1K | — | $1K | 10.00% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $270 | — | $270 | 10.00% |
| MJ INSURANCE3 Filed as: OTHER VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 4.27% |
| THOMAS C CUNDY REVOCABLE TRUST3 | 600 BRICKELL AVE 23RD FL MIAMI, FL 33131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 3.42% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA HEALTH, INC. | 272 | $1.8M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 304 | $54K |
| Vision | SOLSTICE BENEFITS, INC. | 221 | $15K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $194K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $192K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $192K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.