| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $0 | $10K | $10K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.23% |
| MARIA E GADEA3 | AND VARIOUS OTHER AGENTS 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $5K | $179 | $5K | 11.13% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $2K | $23 | $2K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $2K | $0 | $2K | 3.54% |
| MARIA E GADEA3 | AND VARIOUS OTHER AGENTS 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $3K | $143 | $3K | 7.28% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $2K | $36 | $2K | 4.34% |
| LISSETTE FERNANDEZ3 Filed as: LISSETTE MARIA FERNANDEZ | 75 VALENCIA AVE STE 500 CORAL GABLES, FL 33134 | AFLAC | $763 | $72 | $835 | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ACE AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 31.00% |
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER ASSOC. | 75 VALENCIA AVE STE 500 CORAL GABLES, FL 33134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.64% |
| NPC FINANCIAL INC.3 | 2 S BISCAYNE BLVD SUITE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | $0 | $43 | 0.13% |
| NATIONAL PLANNING CORPORATION3 | 999 BRICKELL AVE 800 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | $0 | $29 | 0.09% |
| ANA MARIA LEON3 | AND OTHER VARIOUS AGENTS 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $3K | $376 | $3K | 11.29% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $1K | $68 | $1K | 4.36% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $711 | $0 | $711 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $469 | $20 | $489 | 7.48% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $360 | $8 | $368 | 5.63% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $188 | $0 | $188 | 2.87% |
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 | 662 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 405 | $2.4M |
| Dental(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $771K |
| Vision(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $771K |
| Life insurance(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $771K |
| Short-term disability(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $771K |
| Long-term disability(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $771K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $811K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.