| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, 4TH FLOOR FORT LAUDERDALE, FL 33334 | HUMANA MEDICAL PLAN, INC. | $48K | $2K | $50K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $3K | $34K | 17.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, 4TH FLOOR FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 8.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY & OTHER AGT | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $1K | $181 | $2K | 3.31% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T. DUBE | 104 WISCONSIN STREET LAKE WORTH, FL 33461 | AFLAC | $1K | $0 | $1K | 2.41% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORPORATION | 18478 CLAYBROOK STREET JUPITER, FL 33178 | AFLAC | $1K | $0 | $1K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | AFLAC | $1K | $0 | $1K | 2.20% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORPORATION | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $484 | $56 | $540 | 1.13% |
| AILEEN KEENAN3 Filed as: AILEEN M. KEENAN | 9603 NW 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $522 | $0 | $522 | 1.09% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $366 | $0 | $366 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, 4TH FLOOR FORT LAUDERDALE, FL 33334 | COMPBENEFITS COMPANY | $461 | $0 | $461 | 8.61% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 123 | $1.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 63 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 63 | $58K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $193K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $193K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $193K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 123 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.