| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 JUPITER, FL 33469 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | $0 | $26K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 JUPITER, FL 33469 | HEALTH OPTIONS, INC | $18K | $0 | $18K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY ONE, SUITE 330 JUPITER, FL 33469 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 7.18% |
| UNKNOWN3 | UNKNOWN MELBOURNE, FL 32936 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.26% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.41% |
| CAROLE A JUSTICE3 Filed as: CAROLE A. JUSTICE | 1929 CAVENDISH COURT ROCKLEDGE, FL 32955 | AFLAC | $589 | $89 | $678 | 4.20% |
| LORI K. VOGEL AND OTHER AGENTS | 3599 BRUNOT CIRCLE MELBOURNE, FL 32940 | AFLAC | $474 | $24 | $498 | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | AFLAC | $179 | $0 | $179 | 1.11% |
| COLLEEN B. SHANNON3 | 4267 FOUR LAKES DRIVE MELBOURNE, FL 32940 | AFLAC | $159 | $10 | $169 | 1.05% |
| CRISTY M MCCULLOUGH3 Filed as: CRISTY M. MCCULLOUGH | 6460 BORASCO DRIVE, APARTMENT 2901 MELBOURNE, FL 32940 | AFLAC | $102 | $0 | $102 | 0.63% |
| BONNETT AND ASSOCIATES LLC3 Filed as: BONNETT AND ASSOCIATES, LLC | 3243 SOUTH 92ND STREET, UNIT 306 MILWAUKEE, WI 53227 | AFLAC | $65 | $0 | $65 | 0.40% |
| MICHAEL S WITHROW3 Filed as: MICHAEL SHANE WITHROW | 1396 BARRINGTON CIRCLE SAINT AUGUSTINE, FL 32092 | AFLAC | $59 | $0 | $59 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN GENERAL INSURANCE COMPANY | $343 | $0 | $343 | 9.99% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $71 | $71 | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $59 | $59 | 1.72% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $331K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $331K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $331K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $331K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $331K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.