| 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 | $58K | $58K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $4K | $33K | 9.80% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $0 | $5K | 6.93% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE AND VARIOUS | OTHER AGENTS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3K | $167 | $3K | 6.51% |
| MARIA ORTIZ3 | 7400 SW 50TH TER SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $44 | $2K | 4.14% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33114 | AFLAC | $565 | $0 | $565 | 1.15% |
| CWI BENEFITS, INC.3 | 715 CONGAREE ROAD GREENVILLE, SC 29607 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 13.00% |
| MARIA ORTIZ3 Filed as: MARIA ORTIZ AND OTHER | VARIOUS AGENTS 7400 SW 50TH TER SUITE 300 MIAMI, FL 33155 | AFLAC | $343 | $0 | $343 | 5.36% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $138 | $0 | $138 | 2.15% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $68 | $0 | $68 | 1.06% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | AFLAC | $62 | $0 | $62 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $610 | $80 | $690 | 10.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $299 | $0 | $299 | 6.08% |
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 | 738 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $3.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 63 | $342K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19 | $340K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 45 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.