| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNIMERICA INSURANCE COMPANY | $53K | $0 | $53K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | $18K | $111K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | $18K | $123K | 17.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85K | $17K | $102K | 15.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129K | $12K | $142K | 27.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 14.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $5K | $34K | 17.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
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 | 2,287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,287 | 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 | 3,648 | $15.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,648 | $278K |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,648 | $278K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,287 | $892K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,289 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,289 | $677K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,874 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,287 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,648 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.