| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE CO | $58K | — | $58K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | DELTA DENTAL INSURANCE COMPANY | $57K | — | $57K | 10.00% |
| STOP LOSS INSURANCE SERVICES, INC. Filed as: STOP LOSS INSURANCE | 100 FRONT STREET STE 610 WORCESTER, MA 01608 | AMALGAMATED LIFE | $26K | — | $26K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH USA | 1560 SAWGRASS CORPORATE PKWY SUNRISE, FL 33323 | AIG BENEFIT SOLUTIONS | $14K | — | $14K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 59-2015694 NONE | Insurance agents and brokers; Contract Administrator Service code 13 | 4800 DEERWOOD CAMPUS PARK JACKSONVILLE, FL 32246 | $533K |
| NEBA NONE | Contract Administrator Service code 13 | 2010 N.W. 150TH AVENUE PEMBROKE PINES, FL 33028 | $148K |
| HORIZON ACTUARIAL SERVICES NONE | Consulting (general) Service code 16 | 900 ASHWOOD PARKWAY 170 ATLANTA, GA 30338 | $86K |
| RICHARD M. WEINER, P.A. EIN 65-0953186 NONE | Legal Service code 29 | 7479 NW 4TH STREET PLANTATION, FL 33317 | $19K |
| GALLAGHER FIDUCIARY ADVISOR NONE | Investment management Service code 28 | 805 15TH STREET NW 1120 WASHINGTON, DC 20005 | $8K |
| KSDT & CO NONE | Accounting (including auditing) Service code 10 | 1625 N COMMERCE PKWY 315 WESTON, FL 33326 | $8K |
| LAPADULA, CARLSON & CO. EIN 65-0292391 NONE | Accounting (including auditing) Service code 10 | 2 ALHAMBRA PLAZA CORAL GABLES, FL 33134 | $8K |
| S I GORDON & COMPANY, PA EIN 46-1347290 NONE | Accounting (including auditing) Service code 10 | 1625 N COMMERCE PKWY 315 WESTON, FL 33326 | $7K |
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 | 722 | 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) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 2,022 | $1.2M |
| Life insurance | AETNA LIFE INSURANCE CO | 1,926 | $632K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE | 738 | $258K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,926 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,022 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.