| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DR SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $51K | $51K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | GUARDIAN | $38K | $0 | $38K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $0 | $6K | 7.06% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | ACE AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.99% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE AND VARIOUS | OTHER AGENTS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3K | $44 | $4K | 5.83% |
| MARIA ORTIZ3 | 7400 SW 50TH TER SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $15 | $2K | 4.06% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33114 | AFLAC | $774 | $6 | $780 | 1.29% |
| MARIA ORTIZ3 Filed as: MARIA ORTIZ AND OTHER | VARIOUS AGENTS 7400 SW 50TH TER SUITE 300 MIAMI, FL 33155 | AFLAC | $259 | $0 | $259 | 4.88% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $115 | $0 | $115 | 2.17% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | AFLAC | $74 | $0 | $74 | 1.39% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $56 | $0 | $56 | 1.06% |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 548 | $3.2M |
| Dental | GUARDIAN | 276 | $464K |
| Vision | GUARDIAN | 276 | $464K |
| Life insurance | GUARDIAN | 276 | $464K |
| Short-term disability | GUARDIAN | 276 | $464K |
| Long-term disability | GUARDIAN | 276 | $464K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 276 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.