| 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 | $70K | — | $70K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUTIE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 22.08% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $52 | $52 | 0.04% |
| BARRRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $5K | $280 | $5K | 16.39% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B MCKENZIE AND | OTHER AGENTS 110 SE 6TH ST STE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $1K | $112 | $2K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 12.08% |
| AMERICAN INC PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 68.47% |
| METSUKA NICOLAS3 | 9648 NW 7TH AVE APT 1931 PLANTATION, FL 33324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $427 | — | $427 | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | GUARDIAN | $954 | — | $954 | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $882 | — | $882 | 10.09% |
| FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $208 | $59 | $267 | 3.05% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $204 | — | $204 | 4.62% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND | OTHER AGENTS 801 NORTHPOINT PKWY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $111 | — | $111 | 2.51% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND OTHER | AGENTS 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $247 | — | $247 | 5.80% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $210 | — | $210 | 4.93% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 73 | $2.1M |
| Dental | FLORIDA COMBINED LIFE | 27 | $9K |
| Vision | GUARDIAN | 61 | $9K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 131 | $159K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $41K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 131 | $142K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 131 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.