| 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 | $27K | $84K | $111K | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $3K | $39K | 16.77% |
| LISSETTE FERNANDEZ3 | AND VARIOUS OTHER BROKERS 75 VALENCIA AVE STE 500 CORAL GABLES, FL 33134 | AFLAC | $2K | $0 | $2K | 3.74% |
| MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $2K | $0 | $2K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $564 | $0 | $564 | 0.97% |
| ANA MARIA LEON3 Filed as: ANA LEON AND VARIOUS OTHER | BROKERS 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $2K | $22 | $2K | 6.37% |
| MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $772 | $5 | $777 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $472 | $0 | $472 | 1.46% |
| MARIA ORTIZ3 Filed as: MARIA ORTIZ AND VARIOUS OTHER | BROKERS 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $800 | $0 | $800 | 8.01% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $530 | $0 | $530 | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $274 | $0 | $274 | 2.74% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE AND VARIOUS | OTHER BROKERS 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $94 | $0 | $94 | 3.15% |
| MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $80 | $0 | $80 | 2.68% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE STE 500 CORAL GABLES, FL 33134 | AFLAC | $26 | $0 | $26 | 0.87% |
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 | 700 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 559 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $232K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $232K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.