| 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 | $0 | $82K | $82K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $40 | $17K | 11.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | UNKNOWN MIAMI, FL 33178 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $508 | $5K | 8.74% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $842 | $3K | 4.53% |
| HIGH TECHNOLOGY RECRUITERS INC3 Filed as: HIGH TECHNOLOGY RECRUITERS, INC. | 2540 MONTEREY COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.29% |
| MJ INSURANCE3 Filed as: CANDICE KLEE AND VARIOUS AGENTS | 2760 NE 16TH AVENUE POMPANO BEACH, FL 33912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $218 | $2K | 2.92% |
| BERNARD PHILLIP3 | 2044 NW 52ND STREET BOCA RATON, FL 33496 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $559 | $741 | $1K | 2.26% |
| DIANE CUNNINGHAM3 Filed as: DIANE SUSAN CUNNINGHAM | 3513D SOUTH FEDERAL HIGHWAY BOYNTON BEACH, FL 33435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $701 | $165 | $866 | 1.50% |
| JOSEPH A STALTARE3 Filed as: JOSEPH A. STALTARE | 22349 SW 56 AVENUE, APARTMENT 1008 BOCA RATON, FL 33428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $550 | $287 | $837 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $0 | $3K | 9.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $356 | $356 | 1.29% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $182K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $155K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $155K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $155K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.