| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2405 LUCIEN WAY SUITE 275 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 7.66% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.32% |
| VARIOUS - SEE ATTACHED3 | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $14K | $687 | $15K | 17.86% |
| VARIOUS - SEE ATTACHED3 | 17820 NW 84TH AVE HIALEAH, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 19.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DR STE 400 FORT LAUDERDALE, FL 33334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $76 | $2K | 12.01% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $474 | — | $474 | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DR STE 400 FORT LAUDERDALE, FL 33334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $482 | $24 | $506 | 11.77% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $913K |
| Dental | HUMANA INSURANCE COMPANY | 236 | $83K |
| Vision | HUMANA INSURANCE COMPANY | 236 | $83K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $18K |
| Other(4 contracts, 3 carriers) | AFLAC | 226 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.