| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $8K | $212 | $8K | 10.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.56% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $431 | $431 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $374 | $374 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.71% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $313 | $313 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | VISION SERVICE PLAN | $964 | — | $964 | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 98550 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199 | — | $199 | 11.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21 | $21 | 1.27% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 64 | $981K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 116 | $77K |
| Vision | VISION SERVICE PLAN | 112 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $36K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.