| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $147K | $0 | $147K | 3.64% |
| FINTRUST INSURANCE & BENEFITS INC3 Filed as: FINTRUST INSURANCE & BENEFITS, INC | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $102K | $0 | $102K | 2.51% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 9.71% |
| FINTRUST INSURANCE & BENEFITS INC3 Filed as: FINTRUST INSURANCE & BENEFITS | 201 SOUTH ORANGE AVE SUITE 250 ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $14K | 3.99% |
| FINTRUST INSURANCE & BENEFITS INC3 Filed as: FINTRUST INSURANCE & BENEFITS | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $364 | $6K | 12.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $300 | $5K | 12.45% |
| FINTRUST INSURANCE & BENEFITS INC3 | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS OF FLORIDA | $1K | $106 | $1K | 6.97% |
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INS | 201 S ORANGE AVE STE 250 ORLANDO, FL 32801 | METLIFE LEGAL PLANS OF FLORIDA | $662 | $0 | $662 | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $175 | $0 | $175 | 4.99% |
| FINTRUST INSURANCE & BENEFITS INC3 | 100 COLONIAL CENTER PKWY STE 100 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 112.59% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 782 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 782 | $4.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 453 | $357K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 453 | $357K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 453 | $357K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 782 | $4.0M |
| Other(6 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 453 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.