| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-MIAMI | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 3.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $57K | $57K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 331780000 | SOLSTICE BENEFITS, INC | $4K | — | $4K | 7.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 5727 FT. LAUDERDALE, FL 33310 | SOLSTICE BENEFITS, INC | $3K | — | $3K | 5.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $916 | $434 | $1K | 11.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $944 | — | $944 | 9.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 331782986 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $715 | — | $715 | 7.33% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $2.0M |
| Dental | SOLSTICE BENEFITS, INC | 267 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $11K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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 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.