| 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 | HEALTH OPTIONS | $30K | — | $30K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $5K | $22K | 15.37% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.61% |
| MICHAEL K PORTER3 Filed as: MICHAEL KELLEY PORTER | 4000 HOLLYWOOD BOULEVARD SUITE 555-S HOLLYWOOD, FL 33021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.24% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.74% |
| MICHELLE TIFFANY DUBE3 | 104 WISCONSIN STREET LAKE WORTH, FL 33461 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | $0 | $593 | 0.88% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $369 | $0 | $369 | 0.55% |
| KATTY W COHEN3 Filed as: KATTY WIENER COHEN AND OTHER AGENTS | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $346 | $0 | $346 | 0.51% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 103 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $146K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $146K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $146K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $146K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $146K |
| Prescription drug | HEALTH OPTIONS | 103 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.