| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $49K | $0 | $49K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $8K | $41K | 19.79% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | AFLAC | $2K | $32 | $2K | 8.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND VARIOUS AGENTS | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | AFLAC | $484 | $4 | $488 | 2.22% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33196 | AFLAC | $255 | $0 | $255 | 1.16% |
| RENATO MARRERO3 | 15253 SW 112TH TERRACE MIAMI, FL 33196 | AFLAC | $141 | $0 | $141 | 0.64% |
| RONALD INFANTINO3 | 2680 TRILLIUM RIDGE, UNIT 3210 THE VILLAGES, FL 32163 | AFLAC | $103 | $0 | $103 | 0.47% |
| LOURDES M MARRERO3 Filed as: LOURDES MARRERO | 15253 SW 112TH TERRACE MIAMI, FL 33196 | AFLAC | $93 | $0 | $93 | 0.42% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 7400 SW TERRACE MIAMI, FL 33155 | AFLAC | $91 | $0 | $91 | 0.41% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 8.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $897 | — | $897 | 7.99% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 71 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $205K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $205K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $205K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $205K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $205K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 71 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.