| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $173K | $44K | $217K | 12.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $282 | $282 | 0.02% |
| JOSEPH A STALTARE3 Filed as: JOSEPH A. STALTARE | 11085 SACCO DRIVE BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46K | $52K | $98K | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61K | $5K | $66K | 6.40% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS, INC. | 18214 102ND WAY SOUTH, SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $24K | $48K | 4.66% |
| LUCAS GARTENMAYER3 Filed as: LUCAS GARTENMAYER AND OTHER AGENTS | 39051 12TH AVENUE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | $8K | $47K | 4.58% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $16K | 1.56% |
| BENEFITLAB INC3 Filed as: BENEFITLAB, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 0.70% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON AND SANDS, INC. | 3050 NORTH FEDERAL HIGHWAY POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 CORPORATE DRIVE, SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $27K | $0 | $27K | 15.00% |
| INNOVATIVE WORKPLACE BENEFITS3 | 950 PENISULA CORPORATION CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $6K | $2K | $8K | 13.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $0 | $620 | $620 | 1.06% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $255 | $0 | $255 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $9K | $0 | $9K | 17.00% |
| PERKS AT WORK CORP4 | UNKNOWN FORT LAUDERDALE, FL 33309 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $545 | — | $545 | 1.00% |
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 | 3,366 | 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) | 3,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,877 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,877 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,877 | $1.8M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,030 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,877 | $1.8M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,366 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,366 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.