| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA MEDICAL PLAN, INC. | $100K | $0 | $100K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $21K | $0 | $21K | 10.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 16.19% |
| BARBALAT CLIFF & OTHER AGENTS3 | 3720 NORTHLAKE BLVD LAKE PARK, FL 33403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 16.92% |
| BARBALAT CLIFF & OTHER AGENTS3 | 3720 NORTHLAKE BLVD LAKE PARK, FL 33403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.83% |
| CARRIAZO DANIEL & OTHER AGENTS3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMPBENEFITS COMPANY | $2K | $0 | $2K | 13.44% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 311 | $2.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 234 | $210K |
| Vision | HUMANA INSURANCE COMPANY | 234 | $193K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 68 | $80K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 119 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.