| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $69K | — | $69K | 9.07% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE | 100 FRONT STREET, SUITE 610 WORCESTER, MA 01608 | AMALGAMATED LIFE INSURANCE COMPANY | $26K | — | $26K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | GERBER LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE | 100 FRONT STREET, SUITE 610 WORCESTER, MA 01608 | AMALGAMATED LIFE INSURANCE COMPANY | $9K | — | $9K | 7.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE KNOWN | Direct payment from the plan; Contract Administrator Service code 13 | — | $655K |
| MCASF LOCAL 725 SERVICE CORPORATION EIN 81-2757635 CAPTIVE SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $323K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE KNOWN | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $91K |
| HESSIAN & MCKASY, PA EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $88K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE KNOWN | Insurance agents and brokers Service code 22 | — | $68K |
| KARPUS MANAGEMENT, INC. EIN 16-1290558 NONE KNWON | Investment management fees paid directly by plan; Direct payment from the plan; Soft dollars commissions; Investment management Service code 28 | — | $51K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $47K |
| RIGHTWAY HEALTHCARE, INC EIN 82-0865206 NONE KNOWN | Other services; Direct payment from the plan Service code 49 | — | $44K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 36-4776242 NONE KNOWN | Investment management fees paid directly by plan; Investment management; Named fiduciary; Direct payment from the plan Service code 28 | — | $29K |
| AMERICAN GRAPHICS PRINTING CO. NONE KNOWN | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $9K |
| SAWGRASS ASSET MANAGEMENT LLC EIN 59-3488505 NONE KNOWN | Investment management fees paid directly by plan; Direct payment from the plan; Investment management; Soft dollars commissions Service code 28 | — | $9K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Direct payment from the plan; Consulting (pension) Service code 17 | — | $8K |
| PNC BANK, NATIONAL ASSOCIATION EIN 22-1146430 NONE KNOWN | Custodial (securities); Soft dollars commissions; Float revenue; Direct payment from the plan Service code 19 | — | $6K |
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 | 916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 921 | $765K |
| Stop-loss / reinsurancereinsurance(2 contracts) | AMALGAMATED LIFE INSURANCE COMPANY | 901 | $682K |
| Other | GERBER LIFE INSURANCE COMPANY | 901 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.