| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINETREE CAPITOL LLC3 | STE 102 5511 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | HUMANA MEDICAL PLAN, INC. | $154K | $0 | $154K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA MEDICAL PLAN, INC. | $48K | $0 | $48K | 1.11% |
| PINETREE CAPITOL LLC3 | STE 102 5511 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $33K | $0 | $33K | 5.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $12K | $0 | $12K | 2.11% |
| PINETREE CAPITOL LLC3 | STE 102 5511 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 0.49% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD BLDG 25-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $18K | $0 | $18K | 21.42% |
| PINETREE CAPITAL LLC3 Filed as: PINETREE CAPITOL LLC DBA EMPHASIS | BENEFITS LIGHTHOUSE POINT, FL 33074 | TRUSTMARK INSURANCE COMPANY | $10K | $0 | $10K | 11.56% |
| ROBERT HUNTER WHITTINGTON3 Filed as: ROBERT H WHITTINGTON | 700 W HILLSBORO BLVD BLDG 25-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $34 | $0 | $34 | 0.04% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DR STE 102 CORAL SPRINGS, FL 33067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $723 | $0 | $723 | 1.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD BLDG 25-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $13K | $0 | $13K | 17.63% |
| PINETREE CAPITOL LLC3 | DBA EMPHASIS BENEFITS PO BOX 50401 LIGHTHOUSE POINT, FL 33074 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 9.49% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD BLDG 25-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 20.26% |
| PINETREE CAPITAL LLC3 Filed as: PINETREE CAPITOL LLC DBA EMPHASIS | BENEFITS PO BOX 50401 LIGHTHOUSE POINT, FL 33074 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 10.91% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DR STE 102 CORAL SPRINGS, FL 33067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 8.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | $0 | $480 | 1.16% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD BLDG 25-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $13K | $0 | $13K | 34.59% |
| PINETREE CAPITAL LLC3 Filed as: PINETREE CAPITOL LLC DBA EMPHASIS | BENEFITS PO BOX 50401 LIGHTHOUSE POINT, FL 33074 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 18.62% |
| PINETREE CAPITOL LLC3 | STE 102 5511 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | COMPBENEFITS COMPANY | $572 | $0 | $572 | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMPBENEFITS COMPANY | $145 | $0 | $145 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PREFERRED LEGAL | $913 | $0 | $913 | 18.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $0 | $89 | 10.06% |
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 | 1,173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | HUMANA MEDICAL PLAN, INC. | 469 | $5.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 704 | $525K |
| Vision | HUMANA INSURANCE COMPANY | 704 | $495K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,173 | $111K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,173 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,173 | $41K |
| Other(4 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 1,173 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,173 | — |
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.