| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA MEDICAL PLAN INC | $49K | $0 | $49K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.25% |
| MARSH & MCLENNAN AGENCY LLC3 | VARIOUS OTHER AGENTS 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $4K | $49 | $4K | 9.57% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $2K | $76 | $2K | 4.94% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NW 36TH CT CORAL SPRINGS, FL 33065 | AFLAC | $537 | $0 | $537 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORTLAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 24.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMPBENEFITS COMPANY | $463 | $0 | $463 | 8.04% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN INC | 50 | $1.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 61 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 61 | $66K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $52K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $39K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.