| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 35.87% |
| DARYL GOTTLIEB3 | 4800 DEERWOOD CAMPUS PKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $104 | — | $104 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 30.66% |
| CHRISSY CABRAL3 | 7750 VIA FRANCESCO 2 SAN DIEGO, CA 92129 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| DARYL GOTTLIEB3 | 4800 DEERWOOD CAMPUS PKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $60 | — | $60 | 0.94% |
| DARYL GOTTLIEB3 | 4800 DEERWOOD CAMPUS PKWAY DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $64 | — | $64 | 1.17% |
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 | 770 | 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) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | FLORIDA COMBINED LIFE | 330 | $39K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 577 | $198K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $64K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 582 | $219K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 577 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.