| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4400 PGA BLVD STE 1000 PALM BEACH GARDENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $83K | — | $83K | 4.57% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY | 4400 PGA BLVD STE 1000 PALM BEACH GARDENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC (SEITLIN) | 9850 NW 41ST ST SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| INSGROUP INC3 Filed as: CELEDINAS INSURANCE GROUP, A M | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE CELEDINAS AGENCY A MARSH & MCLE | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 334106563 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $58 | $7K | 6.65% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 334106563 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.99% |
| INSGROUP INC3 Filed as: CELEDINAS INSURANCE GROUP, A M | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| INSGROUP INC3 Filed as: CELEDINAS INSURANCE GROUP, A M | 4400 PGA BLVD STE 1000 PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| CELEDINAS INSURANCE GROUP3 | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 334106563 | HUMANA | $943 | — | $943 | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC SEITLIN | 2405 LUCIEN WAY SUITE 275 MAITLAND, FL 327517047 | HUMANA | — | $456 | $456 | 3.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC DAYTONA BCH | 2200 S RIDGEWOOD AVE PO BOX 2412 DAYTONA BEACH, FL 321152412 | HUMANA | $178 | — | $178 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 334106563 | HUMANA | $91 | — | $91 | 0.73% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURACE COMPANY | $937 | — | $937 | 11.08% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY INC | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURACE COMPANY | $346 | — | $346 | 4.09% |
| INSGROUP INC3 Filed as: CELEDINAS INSURANCE GROUP, A M | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 0.70% |
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 | 140 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 346 | $106K |
| Vision | HUMANA | 122 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $86K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $281K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.