| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $51K | — | $51K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | $0 | $28K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $10K | $43K | 20.58% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | AFLAC | $3K | $111 | $3K | 10.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND OTHER AGENTS | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | AFLAC | $518 | $0 | $518 | 2.13% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $251 | $0 | $251 | 1.03% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 7400 SW TERRACE MIAMI, FL 33155 | AFLAC | $202 | $26 | $228 | 0.94% |
| RENATO MARRERO3 | 15253 SW 112TH TERRACE MIAMI, FL 33196 | AFLAC | $118 | $0 | $118 | 0.49% |
| LOURDES M MARRERO3 Filed as: LOURDES M. MARRERO | 15253 SW 112TH TERRACE MIAMI, FL 33196 | AFLAC | $85 | $0 | $85 | 0.35% |
| RONALD INFANTINO3 | 37547 CHURCH AVENUE DADE CITY, FL 33525 | AFLAC | $64 | $0 | $64 | 0.26% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.98% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 67 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $210K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $210K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $210K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $210K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 67 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.