| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA MEDICAL PLAN, INC. | $30K | $2K | $32K | 4.25% |
| ERIC CARRARA3 | 39 MAIN STREET CHATHAM, NJ 07928 | HUMANA MEDICAL PLAN, INC. | -$9 | — | -$9 | -0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIALSVCS | 4851 LYDON B JOGNSON FWY SUITE 100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 9.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $851 | $9K | 8.87% |
| ERIC CARRARA3 | 39 MAIN STREET CHATHAM, NJ 07928 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | — | $398 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA INSURANCE COMPANY | $757 | $82 | $839 | 11.00% |
| ERIC CARRARA3 | 39 MAIN STREET CHATHAM, NJ 07928 | HUMANA INSURANCE COMPANY | -$1 | — | -$1 | -0.01% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE - WBS | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 33431 | KANAWHA INSURANCE COMPANY | $392 | — | $392 | 8.77% |
| ERIC CARRARA3 | 39 MAIN STREET CHATHAM, NJ 07928 | KANAWHA INSURANCE COMPANY | $168 | — | $168 | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | KANAWHA INSURANCE COMPANY | $31 | — | $31 | 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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 106 | $768K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $97K |
| Vision | HUMANA INSURANCE COMPANY | 107 | $8K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $101K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $97K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $97K |
| Other | KANAWHA INSURANCE COMPANY | 8 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.