| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE CO. | $123K | $0 | $123K | 13.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TOKIO MARINE HCC | $33K | $15K | $48K | 8.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $32K | $0 | $32K | 10.79% |
| ALG ACQUISITIONS I LLC3 Filed as: ALG ACQUISITIONS I LLC & VARIOUS | OTHER AGENTS 2650 MCCORMICK DR, STE 300A CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $11K | $0 | $11K | 7.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TELEDOC | $34K | $0 | $34K | 82.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FEDERAL INSURANCE COMPANY | $127 | $0 | $127 | 14.96% |
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 | 1,967 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BEHAVIORAL HEALTH SYSTEMS, INC. | 2,153 | $267K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,967 | $1.4M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,967 | $1.4M |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE CO. | 1,967 | $1.2M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,348 | $543K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,967 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.