| 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 | $166K | $0 | $166K | 18.50% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $101 | $101 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HCC LIFE INSURANCE COMPANY | $77K | $35K | $111K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.92% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $6K | $70 | $6K | 9.06% |
| RONALD INFANTINO3 | 9380 SW 170TH PATH APT 8-102 MIAMI, FL 33196 | AFLAC | $2K | $16 | $2K | 2.63% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $820 | $0 | $820 | 1.15% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE 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 | 9.86% |
| FINKLE, ARTHUR, ALLEN3 | 2100 PONCE DELEON BLVD CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.35% |
| ED KNOX & ASSOCIATES PA3 | AND VARIOUS OTHER AGENTS 6417 FAIRWAY ROW LN STE 101 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | $0 | $271 | 1.20% |
| SINGER, IRA, MICHAEL3 | 350 W PASSAIC ST ROCHELLE PARK, NJ 07662 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST SUITE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
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 | 519 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 70 | $71K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 334 | $229K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 861 | $32K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 519 | $900K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 519 | $922K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 519 | $900K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 427 | $769K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 566 | $965K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.