| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | COVENTRY HEALTH CARE OF FLORIDA, INC. | $17K | — | $17K | 3.67% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $9K | $586 | $9K | 12.96% |
| MULTIPLE AGENTS*3 Filed as: MULTIPLE AGENTS | — | AFLAC | $5K | $344 | $5K | 7.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TRANS CONN | $2K | — | $2K | 8.98% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANS CONN | $755 | — | $755 | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | 20/20 EYECARE PLAN, INC. | $710 | — | $710 | 10.00% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COVENTRY HEALTH CARE OF FLORIDA, INC. | 123 | $561K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $70K |
| Vision | 20/20 EYECARE PLAN, INC. | 124 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $70K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.