| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA MEDICAL PLAN, INC. | $19K | $669 | $20K | 3.33% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HUMANA MEDICAL PLAN, INC. | $19K | $0 | $19K | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 485 NORTH KELLER ROAD, SUITE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.31% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $2K | $2K | $3K | 10.46% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 STARCREST DRIVE CLEARWATER, FL 33765 | COMPBENEFITS COMPANY | $148 | $393 | $541 | 18.83% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | COMPBENEFITS COMPANY | $163 | $0 | $163 | 5.67% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 77 | $592K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 53 | $35K |
| Vision | HUMANA INSURANCE COMPANY | 53 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $34K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 77 | $592K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.