| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN - MARSH & MCCLENNAN AGCY LL | 9850 NW 41ST ST STE 100 MIAMI, FL 331782986 | HEALTH OPTIONS INC | $48K | — | $48K | 5.00% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 335114879 | HEALTH OPTIONS INC | $10K | — | $10K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $9K | $622 | $10K | 11.84% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DR BRANDON, FL 33511 | AETNA LIFE INSURANCE COMPANY | $726 | — | $726 | 0.85% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | AETNA LIFE INSURANCE COMPANY | $320 | — | $320 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 9850 NW 41ST ST STE 100 MIAMI, FL 331782986 | FLORIDA COMBINED LIFE INSURANCE COMPANY INC | — | $7K | $7K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN - FT LAUDERDALE | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.99% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $107 | — | $107 | 0.85% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH OPTIONS INC | 168 | $1.2M |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY INC | 159 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 225 | $13K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 211 | $85K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 211 | $85K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 211 | $85K |
| Prescription drug(2 contracts) | HEALTH OPTIONS INC | 168 | $1.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 211 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.