| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 331782986 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 2.25% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | 1 GATEWAY CTR NEWTON, MA 024582879 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.18% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 11.71% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 12.18% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.15% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 LEAWOOD, KS 662111671 | HUMANA INSURANCE COMPANY | $724 | — | $724 | 5.42% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | HUMANA INSURANCE COMPANY | $506 | — | $506 | 3.79% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $973K |
| Vision | HUMANA INSURANCE COMPANY | 96 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.