| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $114K | $120K | $233K | 12.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $2K | $34K | 15.59% |
| MARIA ORTIZ3 Filed as: MARIA E GADEA AND VARIOUS OTHER | BROKERS 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $6K | $1K | $7K | 8.41% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $3K | $194 | $3K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $2K | $0 | $2K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $2K | $49 | $2K | 6.79% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $1K | $241 | $1K | 4.15% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $1K | $48 | $1K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 | AND VARIOUS OTHER BROKERS 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $2K | $46 | $2K | 6.89% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $976 | $45 | $1K | 3.32% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $755 | $227 | $982 | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | AND VARIOUS OTHER BROKERS 1000 CORPORATE DRIVE, SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $490 | $16 | $506 | 5.78% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $421 | $31 | $452 | 5.17% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $226 | $61 | $287 | 3.28% |
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 | 690 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 690 | $219K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 690 | $219K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 690 | $219K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 690 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.