| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $63K | — | $63K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS INC | $28K | — | $28K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 4ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $35K | — | $35K | 9.20% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | FLORIDA COMBINED LIFE | $8K | — | $8K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREEET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $19K | — | $19K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREEET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $19K | — | $19K | 10.04% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | USABLE LIFE | $8K | — | $8K | 3.98% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 1.06% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $10K | — | $10K | 10.04% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | USABLE LIFE | $4K | — | $4K | 4.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW41ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $6K | — | $6K | 6.72% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | USABLE LIFE | $3K | — | $3K | 2.68% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $995 | — | $995 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 4ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $4K | — | $4K | 6.80% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | USABLE LIFE | $1K | — | $1K | 2.66% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32245 | USABLE LIFE | $578 | — | $578 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $5K | — | $5K | 9.95% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | USABLE LIFE | $2K | — | $2K | 4.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $522 | — | $522 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $2K | — | $2K | 10.20% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS INC | 18230 RIVER OAKS DRIVE JUPITER, FL 33458 | USABLE LIFE | $816 | — | $816 | 3.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEEWROOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $219 | — | $219 | 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 | 467 | 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) | 467 | 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 | 195 | $4.6M |
| Dental | FLORIDA COMBINED LIFE | 369 | $381K |
| Life insurance(2 contracts) | USABLE LIFE | 489 | $287K |
| Short-term disability | USABLE LIFE | 286 | $54K |
| Long-term disability(2 contracts) | USABLE LIFE | 240 | $152K |
| Other(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 489 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.