| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 TEQUESTA, FL 33469 | BLUE CROSS BLUE SHIELD OF FLORIDA | $41K | $0 | $41K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 TEQUESTA, FL 33469 | HEALTH OPTIONS, INC. | $15K | $0 | $15K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 JUPITER, FL 33469 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | TRANSAMERICA LIFE INSURANCE COMPANY | $792 | — | $792 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $335 | $5K | 11.78% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $81 | $2K | 4.89% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS, INC. | 18214 102ND WAY SOUTH, SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | $442 | $999 | 2.37% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | $129 | $700 | 1.66% |
| MJ INSURANCE3 Filed as: LUC JOSEPH AND VARIOUS AGENTS | 548 NW 51ST STREET MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | $66 | $417 | 0.99% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $93 | $384 | 0.91% |
| ROBERT HYLTON3 | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $43 | $341 | 0.81% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI & ASSOCIATES, INC. | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $1K | $0 | $1K | 10.75% |
| SUZANN T EUSEPI-GREEN3 Filed as: SUZANN T. EUSEPI-GREEN | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $525 | $0 | $525 | 3.85% |
| TERESA LISTORT3 | 401 OLD DIXIE HIGHWAY, UNIT 3001 TEQUESTA, FL 33469 | AFLAC | $305 | $0 | $305 | 2.23% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $264 | $0 | $264 | 1.93% |
| JONATHON D. CAUTHEN AND OTHERS3 | 110 CAYO COSTA COURT ROYAL PALM BEACH, FL 33431 | AFLAC | $239 | $0 | $239 | 1.75% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER C. HAYWARD | 4921 BONSAI CIRCLE, APARTMENT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $92 | $0 | $92 | 0.67% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $70 | $0 | $70 | 0.51% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 112 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $169K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $169K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $169K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $169K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $169K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $1.4M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.