| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | PO BOX 419814 BOSTON, MA 022419814 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 10151 DEERWOOD PARK BLVD BLDG 100, SUITE 100 JACKSONVILLE, FL 32256 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $341 | $0 | $341 | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SLIS EIN 27-0142436 STOP LOSS AND TRANSPLANT | Other insurance fees and expenses Service code 73 | — | $496K |
| INNOVATIVE INSURANCE SPECIALIST EIN 20-1842509 INSURANCE NETWORK | Other services Service code 49 | — | $211K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance brokerage commissions and fees Service code 53 | 800 CONNECTICUT AVE 4TH FL NORWALK, CT 06854 | $141K |
| GROUP BENEFIT SERVICES EIN 52-1200892 PLAN ADMINISTRATION | Insurance agents and brokers; Plan Administrator Service code 14 | — | $120K |
| WESTON EIN 47-4807731 PLAN ADMINISTRATION | Plan Administrator Service code 14 | — | $96K |
| INETICO LLC EIN 20-0457663 PLAN ADMINISTRATION | Plan Administrator Service code 14 | — | $57K |
| HEALTH CARE INTERACTIVE EIN 20-8995931 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $11K |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 290 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.