| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE STE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | $0 | $39K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE STE 400 FORT LAUDERDALE, FL 33334 | HEALTH OPTIONS | $11K | $0 | $11K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 8.26% |
| 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 | $36 | $2K | $2K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $8K | $0 | $8K | 10.65% |
| 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 | $8K | $0 | $8K | 11.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | TRANSAMERICA LIFE INSURANCE COMPANY | $837 | $0 | $837 | 1.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & | FINANCIAL SERVICES 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | TRANSAMERICA LIFE INSURANCE COMPANY | $372 | $0 | $372 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $243 | $4K | 8.87% |
| LYNN MARIE BARRY3 | AND VARIOUS OTHER AGENTS 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $457 | $3K | 7.15% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $220 | $644 | 1.50% |
| TERESA LISTORT3 | AND VARIOS OTHER AGENTS 401 OLD DIXIE HWY UNIT 3001 TEQUESTA, FL 33469 | AFLAC | $653 | $15 | $668 | 6.36% |
| SUZANN T EUSEPI-GREEN3 Filed as: SUZANN EUSEPI-GREEN | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $437 | $0 | $437 | 4.16% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI & ASSOCIATES INC | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $339 | $0 | $339 | 3.23% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 117 | $1.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 153 | $185K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 153 | $110K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 153 | $110K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 153 | $110K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 153 | $110K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 153 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.