| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 1000 MIAMI, FL 33178 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $27K | — | $27K | 3.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $17K | — | $17K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $24K | — | $24K | 3.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | HEALTH OPTIONS, INC. | $15K | — | $15K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2405 LUCIEN WAY SUITE 275 MAITLAND, FL 327517047 | HUMANA INSURANCE COMPANY | $9K | $7K | $16K | 10.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $4K | — | $4K | 10.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 1000 MIAMI, FL 33178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.47% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 100 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 190 | $142K |
| Vision | HUMANA INSURANCE COMPANY | 190 | $142K |
| Life insurance | FLORIDA COMBINED LIFE | 136 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $28K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 100 | $1.4M |
| Other | FLORIDA COMBINED LIFE | 136 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.