| 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 | $65K | — | $65K | 6.75% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 4.83% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY AND BARNEY MMC AGENCY PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $36K | $36K | 3.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $98 | $98 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HCC LIFE INSURANCE COMPANY | $46K | — | $46K | 5.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | HCC LIFE INSURANCE COMPANY | $33K | — | $33K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | DBA TRION GROUP 33213 COLLECTION CENTER DRIVE CHICAGO, IL 606930628 | HCC LIFE INSURANCE COMPANY | — | $21K | $21K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 743903 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 5.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BOSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 4.14% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS BROKERS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | — | $7K | 11.73% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.26% |
| FINKLE, ARTHUR, ALLEN3 | 2100 PONCE DELEON BOULEVARD SUITE 901 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| ED KNOX & ASSOCIATES PA3 | 6417 FAIRWAY ROW LANE SUITE 101 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 1.01% |
| VODICKA, CHARLES, HANDFORD3 | 124 DEER RUN ASHEVILLE, NJ 07662 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.18% |
| SINGER, IRA, MICHAEL3 | 350 W PASSAIC STREET ROCHELLE PARK, NJ 07662 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE CO | VARIOUS BROKERS - SEE ATTACHED POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 14.27% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 67 | $63K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 348 | $250K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 871 | $35K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 661 | $964K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 661 | $964K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 661 | $985K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 445 | $784K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 661 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.