| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | SHAWN NASS 101 N STARCREST DR. CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $594K | — | $594K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $96K | — | $96K | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $13K | — | $13K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 4401 NORTHSIDE PARKWAY, NW STE 800 ATLANTA, GA 30327 | AMERITAS | $23K | — | $23K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | NATIONWIDE | $14K | — | $14K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | CRUM & FORSTER | $146 | — | $146 | 8.00% |
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 | 6,545 | 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) | 6,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,639 | $21.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,855 | $1.1M |
| Vision(2 contracts, 2 carriers) | AMERITAS | 1,964 | $403K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $1.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $1.4M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 422 | $177K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,964 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.