| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HEALTH OPTIONS, INC. | $108K | — | $108K | 5.45% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT. MIAMI, FL 33183 | HEALTH OPTIONS, INC. | $11K | $0 | $11K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $15K | $0 | $15K | 5.45% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $2K | $0 | $2K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $5K | — | $5K | 3.45% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $4K | $116 | $4K | 6.29% |
| SHIRLEY SASTRE SOUTO3 | AND VARIOUS OTHER BROKERS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $4K | $108 | $4K | 5.98% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $2K | $116 | $3K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | LLC-SOUTH FL/SEITLIN 9850 NW 41ST ST STE 100 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 9.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $4K | — | $4K | 9.96% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $14 | — | $14 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | USABLE LIFE | $2K | $0 | $2K | 14.37% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | USABLE LIFE | $614 | $0 | $614 | 3.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $141 | $0 | $141 | 0.88% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $657 | $84 | $741 | 10.93% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $644 | $84 | $728 | 10.74% |
| SHIRLEY SASTRE SOUTO3 | AND VARIOUS OTHER BROKERS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $603 | $77 | $680 | 10.03% |
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 | 410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 374 | $2.1M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 251 | $193K |
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 427 | $321K |
| Life insurance | USABLE LIFE | 89 | $16K |
| Other | USABLE LIFE | 89 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.