| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $4K | $28K | 13.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $18K | $305 | $18K | 10.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, 4TH FLOOR FORT LAUDERDALE, FL 33334 | EMPHESYS INSURANCE COMPANY | $2K | $0 | $2K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $703 | $0 | $703 | 5.05% |
| US ENROLLMENT SERVICES3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2-102 DEERFIELD BEACH, FL 33441 | PREFERRED LEGAL | $993 | $0 | $993 | 14.22% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFITS CONSULTANTS, INC. | 18214 102ND WAY SOUTH, SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $291 | $660 | 13.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN MIAMI, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $32 | $405 | 8.00% |
| BENJAMIN DARANG3 | 2901 NW 48TH AVENUE, APARTMENT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $1 | $104 | 2.05% |
| JOSEPH A STALTARE3 Filed as: JOSEPH A. STALTARE | 11085 SACCO DRIVE BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $16 | $74 | 1.46% |
| KATHLYNE FENESTOR3 | 4174 INVERRARY DRIVE APARTMENT 1015 LAUDERHILL, FL 33319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.77% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 0.43% |
| BERNARD PHILLIP3 Filed as: BERNARD PHILLIP AND OTHER AGENTS | 325 NW SPANISH RIVER BOULEVARD APARTMENT BOCA RATON, FL 33431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.40% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 340 | $221K |
| Dental | AETNA LIFE INSURANCE COMPANY | 340 | $168K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $209K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $209K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $209K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 340 | $221K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.