| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ARMADACARE | $16K | $0 | $16K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | $7K | $6K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGENCY LLC | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PAN AMERICAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $5K | $25K | 26.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$635 | $12K | $11K | 12.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $3K | $17K | 26.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$499 | $8K | $8K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $15K | 26.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE STE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $504 | $0 | $504 | 1.36% |
| ESKRA & ASSOCIATES INC3 | 100 MIRACLE MILE STE 250 FINANCIAL C/O EDWARD MORRISON CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $311 | $0 | $311 | 0.84% |
| US BEN TEC WORKPLACE SOLUTIONS, LLC3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | LEGAL PLANS, USA | $0 | $2K | $2K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LEGAL PLANS, USA | $0 | $740 | $740 | 3.00% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $510 | $6K | 37.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$105 | $716 | $611 | 11.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $128 | $128 | 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 | 1,077 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ARMADACARE | 314 | $513K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,041 | $586K |
| Vision | EYEMED VISION CARE | 1,759 | $73K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,626 | $107K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $210K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,076 | $64K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,068 | $528K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,077 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,068 | — |
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.