| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SOLSTICE BENEFITS, INC | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.27% |
| US BENTEC WORKPLACE SOLUTIONS3 | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $196 | $0 | $196 | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $182 | $0 | $182 | 2.25% |
| WHITTINGTON ROBERT HUNTER3 Filed as: WHITTINGTON ROBER HUNTER | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $89 | $0 | $89 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $506 | $0 | $506 | 7.50% |
| WHITTINGTON ROBERT HUNTER3 Filed as: WHITTINGTON, ROBERT H | 5550 GLADES ROAD SUITE 308 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $506 | $0 | $506 | 7.50% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 175 | $1.0M |
| Dental | SOLSTICE BENEFITS, INC | 166 | $56K |
| Vision | SOLSTICE BENEFITS, INC | 166 | $56K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $20K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 6 | $8K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.