| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $139K | $147K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | HAWAII MEDICAL SERVICE ASSOCIATION | $6K | — | $6K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $3K | $0 | $3K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 DORAL, FL 33178 | VISION SERVICE PLAN | $1K | — | $1K | 9.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $292 | $5K | 34.72% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 23.78% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 18.32% |
| WE ARE MONDAY PEOPLE INC3 Filed as: WE ARE MONDAY PEOPLE, INC. | 13652 GLOSGOW LANE DELRAY BEACH, FL 33446 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $770 | $210 | $980 | 7.01% |
| BENEFITLAB INC3 Filed as: BENEFITLAB, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $119 | $478 | 3.42% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE APARTMENT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $367 | $93 | $460 | 3.29% |
| SINGLE POINT ENRLMNT SLTNS & OTHERS3 | 14716 SW 112TH TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $40 | $97 | 0.69% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.3M |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 142 | $205K |
| Life insurance | USABLE LIFE | 358 | $25K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $107K |
| Long-term disability | USABLE LIFE | 358 | $25K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.4M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.