| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BOULEVARD SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70K | $10K | $80K | 13.37% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $112K | — | $112K | 40.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33304 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 17.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BOULEVARD SUITE 100 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 10.00% |
| THE NIA GROUP3 Filed as: THE NIA GROUP A MMA AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BOULEVARD SUITE 100 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| THE NIA GROUP3 Filed as: THE NIA GROUP A MMA AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BOULEVARD SUITE 100 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| THE NIA GROUP3 Filed as: THE NIA GROUP A MMA AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.87% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD SUITE 2-102 DEERFIELD BEACH, FL 33441 | COMBINED INSURANCE | $13K | — | $13K | 28.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMBINED INSURANCE | $5K | — | $5K | 11.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BOULEVARD SUITE 100 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| THE NIA GROUP3 Filed as: THE NIA GROUP A MMA AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $224 | $224 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PREFERRED LEGAL PLAN | $2K | — | $2K | 19.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PAN AMERICAN LIFE INSURANCE COMPANY | $850 | — | $850 | 14.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 CLAYTON ROAD, 5D FL BUILDING D CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $442 | — | $442 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BOULEVARD SUITE 1000 PALM BEACH GARDENS, FL 33410 | UNITEDHEALTHCARE INSURANCE COMPANY | $374 | — | $374 | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN MARSH & MCLENNAN AGENCY LLC | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $130 | — | $130 | 9.98% |
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 | 1,228 | 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) | 1,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FLORIDA BLUE | 1,722 | $6.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 857 | $598K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 857 | $598K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,292 | $171K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,228 | $170K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $98K |
| Prescription drug | FLORIDA BLUE | 1,722 | $6.8M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,290 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,722 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.