| 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 | $73K | — | $73K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUTIE 100 MIAMI, FL 33178 | HEALTH OPTIONS | $24K | — | $24K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 22.09% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $46 | $46 | 0.03% |
| BARRRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $4K | $240 | $4K | 11.81% |
| 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 | $90 | $1K | 3.61% |
| AMERICAN INC PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | — | $4K | 15.95% |
| METSUKA NICOLAS3 | 9648 NW 7TH AVE APT 1931 PLANTATION, FL 33324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $150 | — | $150 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | GUARDIAN | $833 | $548 | $1K | 16.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $718 | — | $718 | 9.87% |
| FLORIDA BLUE3 Filed as: FLORIDA BLUE - ANN SORICELLI | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $46 | — | $46 | 0.63% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $883 | — | $883 | 13.42% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND OTHER | AGENTS 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $339 | — | $339 | 5.15% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $303 | — | $303 | 6.42% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND | OTHER AGENTS 801 NORTHPOINT PKWY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $122 | — | $122 | 2.59% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $2.0M |
| Dental | FLORIDA COMBINED LIFE | 10 | $7K |
| Vision | GUARDIAN | 52 | $8K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 123 | $163K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 10 | $37K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 123 | $138K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 123 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.