| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | — | $56K | 4.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | USABLE LIFE | $49K | — | $49K | 39.56% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 0.91% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | USABLE LIFE | $19 | — | $19 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $7K | — | $7K | 9.04% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $533 | — | $533 | 0.65% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $3K | — | $3K | 10.19% |
| VIVIAN PLETZKE3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $53 | — | $53 | 0.19% |
| NICOLAS METSUKA3 | 9648 NW 7TH AVE APT 1931 PLANTATION, FL 33324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $36 | — | $36 | 0.13% |
| TOWE-WIGGINS LISA ANN3 | AND VARIOUS OTHER AGENTS 7118 FORTY BANKS ROAD HARMONY, FL 34773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $35 | — | $35 | 0.12% |
| GAVIN WILLIAMS3 | 8130 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $16 | — | $16 | 0.06% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $422 | — | $422 | 4.41% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $342 | — | $342 | 3.57% |
| MICHAEL K PORTER3 | 4000 HOLLYWOOD BLVD SUITE 555S HOLLYWOOD, FL 33021 | AFLAC | $88 | — | $88 | 0.92% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $53 | — | $53 | 0.55% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH ST BOCA RATON, FL 33434 | AFLAC | $36 | — | $36 | 0.38% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $17 | — | $17 | 0.18% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37419 | AFLAC | $14 | — | $14 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $476 | — | $476 | 6.14% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $219 | — | $219 | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $520 | — | $520 | 10.21% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $174 | — | $174 | 4.48% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $33 | — | $33 | 0.85% |
| FLORIDA HEALTH INSURANCE NETWORK3 | 2790 N FEDERAL HWY STE 300 BOCA RATON, FL 33431 | AFLAC | $31 | — | $31 | 0.80% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $23 | — | $23 | 0.59% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $14 | — | $14 | 0.36% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $10 | — | $10 | 0.26% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $9 | — | $9 | 0.23% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 70 | $1.8M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 68 | $87K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 50 | $8K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 104 | $152K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 15 | $28K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 104 | $152K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 70 | $1.7M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 104 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.