| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 4400 PGA BOULEVARD SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91K | $15K | $107K | 13.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 4400 PGA BOULEVARD SUITE 100 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $0 | $45K | 10.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 700 WEST HILLSBORO BOULEVARD SUITE 2102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $38K | $999 | $39K | 16.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 6.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.63% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 700 WEST HILLSBORO BOULEVARD SUITE 2102 DEERFIELD BEACH, FL 33441 | COMBINED INSURANCE COMPANY | $5K | $0 | $5K | 12.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 4400 PGA BOULEVARD SUITE 1000 PALM BEACH GARDENS, FL 33410 | COMBINED INSURANCE COMPANY | $2K | $0 | $2K | 4.91% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41 STREET SUITE 100 DORAL, FL 33178 | LEGALSHIELD | $3K | — | $3K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | PAN AMERICAN LIFE INSURANCE COMPANY | $850 | — | $850 | 14.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2000 CLAYTON ROAD 5TH FLOOR, BUILDING D CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $442 | — | $442 | 10.00% |
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 | 1,135 | 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) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FLORIDA BLUE | 519 | $7.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 769 | $783K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 769 | $783K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,135 | $494K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,135 | $451K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,135 | $451K |
| Prescription drug(2 contracts, 2 carriers) | FLORIDA BLUE | 519 | $7.4M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,135 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,135 | — |
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.