| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.03% |
| YVES ROBERT PIERRE AND OTHER3 | VARIOUS AGENTS 2536 NW 79TH AVE MARGATE, FL 33063 | ALLSTATE | $10K | — | $10K | 15.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | ALLSTATE | $6K | — | $6K | 8.81% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 EAST TAFT STREET SAPULPA, OK 74066 | ALLSTATE | $5K | — | $5K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | — | $600 | $600 | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA INSURANCE COMPANY | — | $350 | $350 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | COMPBENEFITS COMPANY | $1K | — | $1K | 10.00% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES | 2300 NW CORPORATE BLVD. SUITE 215 BOCA RATON, FL 33431 | PREFERRED LEGAL | $862 | — | $862 | 14.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | — |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $53 | $53 | — |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ALLSTATE | 165 | $119K |
| Dental | AETNA LIFE INSURANCE COMPANY | 310 | $138K |
| Vision | COMPBENEFITS COMPANY | 96 | $13K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $0 |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $0 |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $305K |
| Other(2 contracts, 2 carriers) | PREFERRED LEGAL | 147 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.