| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $235 | $3K | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $228 | $3K | 10.95% |
| WHITTINGTON ROBERT HUNTER3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $916 | $36 | $952 | 7.42% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $767 | — | $767 | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $99 | $1K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $289 | $25 | $314 | 10.85% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $318K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $136K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $136K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $26K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.