| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | GUARDIAN | $60K | $8K | $68K | 13.33% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD BLDG 25-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33304 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 7.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 6.59% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD SUITE 2-102 DEERFIELD BEACH, FL 33441 | COMBINED INSURANCE | $23K | $0 | $23K | 68.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMBINED INSURANCE | $9K | $0 | $9K | 27.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PAN AMERICAN LIFE INSURANCE COMPANY | $850 | $0 | $850 | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PREFERRED LEGAL | $2K | $0 | $2K | 23.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $442 | $0 | $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 | 1,278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | FLORIDA BLUE | 547 | $5.8M |
| Dental | GUARDIAN | 865 | $512K |
| Vision | GUARDIAN | 865 | $512K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,278 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,278 | $209K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $95K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,278 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.