| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PAN-AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $4K | $28K | 21.34% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 1200 E TAFT AVE SAPULPA, OK 74066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 18.33% |
| ESKRA & ASSOCIATES INC3 | 100 MIRACLE MILE STE 250 MORRISON FINANCIALC/O EDWARD MORRIS CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES | 1200 E TAFT STREET SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 3.09% |
| WHITTINGTON ROBERT HUNTER3 Filed as: WHITTINGTON BENEFIT SERVICES, INC. | 2840 NW BOCA RATON BLVD SUITE 101 BOCA RATON, FL 33431 | LEGALPLANS | — | $1K | $1K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LEGALPLANS | — | $563 | $563 | 3.00% |
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 | 924 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 114 | $351K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,675 | $1.5M |
| Vision | EYEMED VISION CARE | 1,419 | $72K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 924 | $303K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 914 | $337K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 920 | $326K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,675 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 924 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,675 | — |
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.