| 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 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 1.10% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BEAZLEY INSURANCE COMPANY INC | $65K | $0 | $65K | 14.93% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $22K | $0 | $22K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 743903 ATLANTA, GA 30374 | BEAZLEY INSURANCE COMPANY INC | $307 | $0 | $307 | 0.07% |
| MANUEL A. LEON3 Filed as: MANUEL AGUSTIN LEON JR | 5000 SW 65TH AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 22.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 16.29% |
| ANA MARIA LEON3 | 5000 SW 65TH AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 8.66% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 6.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.02% |
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 | 1,862 | 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) | 1,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY INC | 551 | $434K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,234 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,234 | $2.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,234 | $2.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,234 | $2.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,234 | $2.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,234 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.