| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TOKIO MARINE HCC | $76K | $34K | $110K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $5K | $60K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $4K | $52K | 16.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $4K | $46K | 16.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.00% |
| CHRISTOPH INC3 Filed as: CHRISTOPH INC WILL PARSONS | AND VARIOUS OTHER AGENTS 1754 BOULTIER ST, SUITE A MONTGOMERY, AL 36106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $8K | $0 | $8K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $363 | $13 | $376 | 0.20% |
| ALG ACQUISITIONS I LLC3 | 2650 MCCORMICK DR, STE 300A CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $355 | $0 | $355 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TELADOC | $1K | $0 | $1K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $28 | $1K | 11.82% |
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 | 1,622 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BEHAVIORAL HEALTH SYSTEMS, INC. | 1,680 | $433K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,418 | $223K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,622 | $367K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,113 | $289K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,622 | $315K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,432 | $758K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,622 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,680 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.