| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | BERKLEY LIFE AND HEALTH INSURANCE CO | $48K | — | $48K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | DELTA DENTAL OF VIRGINIA | $10K | — | $10K | 4.68% |
| INS OFFICE OF AMERICA INC3 | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | DELTA DENTAL OF VIRGINIA | $779 | — | $779 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $989 | $14K | 9.57% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST STE 100 SUITE 100 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $86 | $1K | 0.83% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $234 | $2 | $236 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN/MARSH & MCLENNAN AGENCY LLC | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | EYEMED VISION CARE | $3K | — | $3K | 11.11% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 10489 LYNCHBURG, VA 24506 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$10 | -$10 | -0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 ASO HEALTH PROVIDER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $114K |
| STARPOINT LLC EIN 03-0507057 CASE MGMT | Other fees Service code 99 | — | $11K |
| ALLEGIANCE COBRA SERVICES INC EIN 71-0916514 COBRA ADMIN | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $3K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 793 | $183K |
| Dental | DELTA DENTAL OF VIRGINIA | 553 | $210K |
| Vision | EYEMED VISION CARE | 354 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 793 | $148K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 793 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 793 | $148K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 350 | $480K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 793 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.