| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HEALTH OPTIONS | $6K | — | $6K | 3.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $6K | $10K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | HEALTH OPTIONS | $5K | — | $5K | 4.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 12.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | TRANSAMERICA LIFE INSURANCE COMPANY | $115 | — | $115 | 0.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & | FINANCIAL SERVICES 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | TRANSAMERICA LIFE INSURANCE COMPANY | $51 | — | $51 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | FLORIDA COMBINED LIFE | $3K | — | $3K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $3K | — | $3K | 3.72% |
| LYNN MARIE BARRY3 | AND VARIOUS OTHER AGENTS 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $462 | $3K | 7.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $181 | $2K | 4.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHING ROAD WEST PALM BEACH, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $48 | $1K | 3.25% |
| TERESA LISTORT3 | AND VARIOS OTHER AGENTS 401 OLD DIXIE HWY UNIT 3001 TEQUESTA, FL 33469 | AFLAC | $806 | — | $806 | 6.84% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI & ASSOCIATES INC | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $680 | — | $680 | 5.77% |
| SUZANN T EUSEPI-GREEN3 Filed as: SUZANN EUSEPI-GREEN | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $483 | — | $483 | 4.10% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 125 | $1.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $193K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $112K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $112K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $112K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.