| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RXBENEFITS, INC. | $0 | $16K | $16K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $164K | $0 | $164K | 18.48% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $98 | $98 | 0.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $17 | $17 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HCC LIFE INSURANCE COMPANY | $80K | $36K | $117K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $6 | $24K | 9.94% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $7K | $88 | $7K | 9.70% |
| MARTA M SASTRE3 Filed as: MARTA M SASTRE & OTHER | VARIOUS BROKERS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $4K | $15 | $4K | 4.59% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41 ST STREET SUITE 100 MIAMI, FL 33178 | FEDERAL INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.07% |
| 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 | $0 | $3K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 950 SW 41ST STREET SW SUITE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | — | $690 | 16.23% |
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 | 521 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 82 | $77K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 446 | $244K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 867 | $31K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 521 | $889K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 521 | $914K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 521 | $889K |
| Prescription drug | RXBENEFITS, INC. | 438 | $1.3M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 428 | $803K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 566 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.