| 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 TEQUESTA, FL 33469 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | $0 | $36K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 TEQUESTA, FL 33469 | HEALTH OPTIONS, INC | $30K | $0 | $30K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 7.97% |
| UNKNOWN3 | UNKNOWN MELBOURNE, FL 32936 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 1.44% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.12% |
| CAROLE A JUSTICE3 Filed as: CAROLE A. JUSTICE | 1929 CAVENDISH COURT ROCKLEDGE, FL 32955 | AFLAC | $1K | $144 | $2K | 9.51% |
| MICHAEL S WITHROW3 Filed as: MICHAEL WITHROW & OTHER AGENTS | 1396 BARRINGTON CIRCLE SAINT AUGUSTINE, FL 32092 | AFLAC | $572 | $0 | $572 | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | AFLAC | $548 | $0 | $548 | 3.22% |
| COLLEEN B. SHANNON3 | 4267 FOUR LAKES DRIVE MELBOURNE, FL 32940 | AFLAC | $304 | $30 | $334 | 1.96% |
| BONNETT AND ASSOCIATES LLC3 Filed as: BONNETT AND ASSOCIATES, LLC | 1105 NE 5TH TERRACE, APARTMENT 3 FORT LAUDERDALE, FL 33304 | AFLAC | $135 | $30 | $165 | 0.97% |
| CRISTY M MCCULLOUGH3 Filed as: CRISTY M. MCCULLOUGH | 6460 BORASCO DRIVE, APARTMENT 2901 MELBOURNE, FL 32940 | AFLAC | $111 | $0 | $111 | 0.65% |
| JEREMY M HASKELL3 Filed as: JEREMY M. HASKELL | 109 DEMOTTE AVENUE PORT ORANGE, FL 32127 | AFLAC | $91 | $0 | $91 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN GENERAL INSURANCE COMPANY | $362 | $26 | $388 | 11.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $180 | $180 | 5.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $23 | $23 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $18 | $18 | 0.55% |
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 | 155 | 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) | 155 | 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 | 79 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $298K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $298K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $298K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $298K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $298K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 79 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.