| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | $0 | $37K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $17K | $0 | $17K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $5K | $0 | $5K | 9.44% |
| US BENETEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | $12 | $521 | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2405 LUCIEN WAY SUITE 275 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $862 | $279 | $1K | 13.21% |
| CROUSE COMPANY LLC3 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $910 | $0 | $910 | 18.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $180 | $0 | $180 | 3.66% |
| DANIEL GONZALEZ3 | 61 WESTLAND RUN ORMOND BEACH, FL 32174 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $142 | — | $142 | 2.89% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 60 | $915K |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 79 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 64 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $53K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $53K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.