| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $17K | $54K | 22.18% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 11.43% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $322 | — | $322 | 5.86% |
| MARSH & MCLENNAN AGENCY LLC4 | 101 STARCREST DR CLEARWATER, FL 33765 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $164 | — | $164 | 2.98% |
| GYNETH MCALLISTER4 | 5344 29TH STREET NW WASHINGTON, DC 20015 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $110 | — | $110 | 2.00% |
| CARMEN BERNARD4 | APT 305 4820 LUCERNE LAKES BLVD W LAKE WORTH, FL 33467 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $35 | — | $35 | 0.64% |
| AKA SOLUTIONS INC4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $25 | — | $25 | 0.45% |
| CHERYLE P DAVIS DARRELL4 | 915 OMAR RD WEST PALM BEACH, FL 33405 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $21 | — | $21 | 0.38% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $174K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $174K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $242K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $242K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $242K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.