| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HUMANA MEDICAL PLAN, INC. | $43K | $4K | $47K | 5.33% |
| G SCOTT COOKE3 Filed as: G SCOTT COOKE & OTHER VARIOUS | AGENTS 2832 NE 17TH AVE WILTON MANORS, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 25.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 12.82% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DR STE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33304 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 11.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $157 | $3K | 15.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33304 | COMPBENEFITS COMPANY | $2K | $0 | $2K | 15.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $116 | $1K | 11.00% |
| US BENETEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.06% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 121 | $959K |
| Dental(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 121 | $930K |
| Vision(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 121 | $917K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $24K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.