| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BLUE CROSS BLUE SHIELD OF ALABAMA | $0 | $1.0M | $1.0M | 7.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TOKIO MARINE HCC | $40K | $32K | $72K | 10.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $19K | $67K | 20.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $16K | $56K | 20.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $16K | $54K | 21.24% |
| AHL-ALLSTATE3 Filed as: AHL - ALLSTATE | AND VARIOUS OTHER AGENTS 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $15K | $13 | $15K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $592 | $0 | $592 | 0.25% |
| 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) | $424 | $0 | $424 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $13K | $47K | 20.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TELADOC | $1K | $0 | $1K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | ACE AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $615 | $37 | $652 | 14.00% |
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 | 1,459 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,575 | $14.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,459 | $14.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,413 | $176K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,663 | $778K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,184 | $496K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,662 | $266K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,463 | $675K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,663 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,663 | — |
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.
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.