| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | $43K | $148K | 11.10% |
| BRIAN STEBBINS3 | AND VARIOUS OTHER AGENTS 1707 NORTHAMPTON ST FL 1 HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211K | $90K | $301K | 33.33% |
| PETER MICHAEL FOLEY JR3 | 2 LOTTS DR WINDHAM, ME 04062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $0 | $490 | 0.05% |
| STEPHEN QUITADAMO3 | 3 KELLY ST AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATION CIRCLE #3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.00% |
| THE LOOMIS COMPANY5 | 850 N PARK AVENUE WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY INC | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $9K | $0 | $9K | 17.00% |
| PERKS AT WORK CORP4 | 11085 SACCO DR BOCA RATON, FL 33428 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $44 | $0 | $44 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | MUTUAL OF OMAHA INSURANCE COMPANY | $441 | $245 | $686 | 21.73% |
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 | 2,356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,184 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,356 | $1.3M |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 9 | $3K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS | 1,740 | $2.2M |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | 325 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,356 | — |
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.