| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 100 FRONT STREET STE 610 WORCESTER, MA 01608 | AMALGAMATED LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $11K | — | $11K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE KNOWN | Direct payment from the plan; Insurance agents and brokers; Contract Administrator Service code 13 | — | $649K |
| NATIONAL EMPLOYEE BENEFITS ADMN INC EIN 65-0498809 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $166K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE KNOWN | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $91K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE KNOWN | Insurance agents and brokers Service code 22 | — | $62K |
| HESSIAN & MCKASY, PA EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $47K |
| KABAT, SCHERTZER, DE LA TORRE EIN 26-0547877 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| SAWGRASS ASSET MANAGEMENT LLC EIN 59-3488505 NONE KNOWN | Direct payment from the plan; Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $9K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 36-4291971 NONE KNOWN | Direct payment from the plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $9K |
| PNC BANK EIN 22-1146430 NONE KNOWN | Other fees; Custodial (other than securities); Soft dollars commissions; Float revenue; Direct payment from the plan; Custodial (securities) Service code 18 | — | $8K |
| MICHAEL DIDONA TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 2010 NW 150TH AVE STE 100 PEMBROKE PINES, FL 33028 | $8K |
| TOP DRAWER MEDIA SOLUTIONS NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | 5190 NW 165TH STREET HIALEAH, FL 33014 | $5K |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 788 | $701K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 777 | $541K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 779 | $276K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 792 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.