| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNIMERICA INSURANCE COMPANY | $64K | — | $64K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $106K | $17K | $123K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $118K | $16K | $134K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78K | $13K | $91K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84K | $2K | $86K | 21.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $901 | $8K | 17.00% |
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 | 2,281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 699 | $594K |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,497 | $265K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,281 | $790K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,303 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,303 | $628K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,818 | $1.3M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,281 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,497 | — |
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.