| 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 | $62K | — | $62K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUTIE 100 MIAMI, FL 33178 | HEALTH OPTIONS | $33K | — | $33K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 16.74% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $77 | $77 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | GUARDIAN | $8K | — | $8K | 10.00% |
| BARRRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $3K | $49 | $3K | 12.46% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B MCKENZIE AND | OTHER AGENTS 110 SE 6TH ST STE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $923 | $20 | $943 | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | -$68 | $3K | 12.96% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND OTHER | AGENTS 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $852 | $46 | $898 | 5.13% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $773 | $116 | $889 | 5.08% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $963 | $98 | $1K | 10.28% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND | OTHER AGENTS 801 NORTHPOINT PKWY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $317 | $39 | $356 | 3.45% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | 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 | 68 | $1.9M |
| Dental | GUARDIAN | 94 | $77K |
| Vision | GUARDIAN | 94 | $77K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 132 | $142K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $22K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 132 | $142K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 132 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.