| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $103K | — | $103K | 13.40% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $166 | $166 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HCC LIFE INSURANCE COMPANY | $42K | $10K | $52K | 12.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 9.92% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41 ST STREET SUITE 100 MIAMI, FL 33178 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNECY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.87% |
| FINKLE, ARTHUR, ALLEN3 Filed as: FINKLE, ARTHUR, ALLEN AND VARIOUS | OTHER AGENTS 2100 PONCE DELEON BLVD CORAL BAGLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 12.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST SUITE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.71% |
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 | 513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 317 | $214K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 513 | $771K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 513 | $792K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 513 | $771K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 457 | $418K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 513 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.