| 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 | $35K | $0 | $35K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $21K | $0 | $21K | 6.08% |
| 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 | $17K | $3K | $20K | 35.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $4K | — | $4K | 9.13% |
| GRAVIER, NAKINA - FL BLUE3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $278 | $0 | $278 | 0.61% |
| US BEN TEC WORKPLACE SOLUTIONS, LLC3 Filed as: US BEN TEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD BLDG 2 DEERFIELD BEACH, FL 33441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $23 | $4K | 31.61% |
| BENEFITLAB INC3 Filed as: BENEFITLAB INC AND VARIOUS | OTHER AGENTS 618 NE 20TH ST WILTON MANORS, FL 33305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 28.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $455 | $3K | 21.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2405 LUCIEN WAY SUITE 275 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $989 | $353 | $1K | 13.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $584 | $0 | $584 | 8.80% |
| GRAVIER, NAKINA - FL BLUE3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $88 | $0 | $88 | 1.33% |
| CROUSE COMPANY LLC4 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $636 | — | $636 | 11.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $199 | — | $199 | 3.64% |
| DANIEL GONZALEZ4 | 61 WESTLAND RUN ORMOND BEACH, FL 32174 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $26 | — | $26 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $2 | $9 | 0.80% |
| US BENETEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.71% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 53 | $922K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 61 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 66 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $57K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $57K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.