| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $31K | $31K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN INC. | $61K | $6K | $67K | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC. | $44 | $0 | $44 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE SUITE 400 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN INC. | $61K | $6K | $67K | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC. | $44 | $0 | $44 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SUN LIFE ASSURANCE COMPANY OF CANADA | $144K | $10K | $154K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMBINED INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.52% |
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 | 8,320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,437 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,769 | $4.8M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 7,242 | $988K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,320 | $2.4M |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,093 | $1.9M |
| Other | METLIFE LEGAL PLANS, INC. | 1,793 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,093 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.