| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $17K | — | $17K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 10.85% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | AFLAC | $1K | $59 | $1K | 6.65% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE AND OTHER AGENTS | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $335 | $7 | $342 | 2.06% |
| LOURDES M MARRERO3 | 15253 SW 112TH TERRACE MIAMI, FL 33196 | AFLAC | $251 | $0 | $251 | 1.51% |
| MJ INSURANCE3 Filed as: CLARA M BOBES | 11313 SW 109TH ROAD UNIT 61C MIAMI, FL 33176 | AFLAC | $107 | $0 | $107 | 0.65% |
| TOMAS E FLORES3 | 7400 SW TERRACE MIAMI, FL 33155 | AFLAC | $99 | $0 | $99 | 0.60% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | AFLAC | $92 | $0 | $92 | 0.55% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $60 | $0 | $60 | 0.36% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN COMPANIES, INC. | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $957 | — | $957 | 7.99% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 59 | $420K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $61K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $61K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 59 | $420K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.