| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 100 FRONT STREET STE 610 WORCESTER, MA 01608 | AMALGAMATED LIFE INSURANCE COMPANY | $33K | — | $33K | 8.10% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $20K | — | $20K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $19K | — | $19K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $15K | $99K | 32.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | GERBER LIFE INSURANCE COMPANY | $9K | — | $9K | 8.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE KNOWN | Insurance agents and brokers; Direct payment from the plan; Contract Administrator Service code 13 | — | $618K |
| MCASF LOCAL 725 SERVICE CORPORATION EIN 81-2757635 NONE KNOWN | Direct payment from the plan; Contract Administrator Service code 13 | — | $285K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE KNOWN | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $88K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $86K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE KNOWN | Insurance agents and brokers Service code 22 | — | $48K |
| HESSIAN & MCKASY, PA EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $33K |
| SAWGRASS ASSET MANAGEMENT LLC EIN 59-3488505 NONE KNOWN | Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $16K |
| TOP DRAWER MEDIA SOLUTIONS NONE KNOWN | Direct payment from the plan; Copying and duplicating Service code 36 | 5190 NW 165TH STREET HIALEAH, FL 33014 | $6K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Consulting (pension); Direct payment from the plan Service code 17 | — | $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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 904 | $732K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 837 | $402K |
| Other | GERBER LIFE INSURANCE COMPANY | 787 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.