| 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 | $68K | $0 | $68K | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUTIE 100 MIAMI, FL 33178 | HEALTH OPTIONS | $26K | $0 | $26K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | USABLE LIFE | $18K | $0 | $18K | 13.66% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $6K | $0 | $6K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 9.61% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B MCKENZIE AND | OTHER AGENTS 110 SE 6TH ST STE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $2K | $155 | $2K | 7.67% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $2K | $47 | $2K | 5.79% |
| AMERICAN INC PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDEN, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | $0 | $2K | 10.02% |
| NICOLAS METSUKA3 | 9648 NW 7TH AVE APT 1931 PLANTATION, FL 33324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $35 | $0 | $35 | 0.18% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $293 | $0 | $293 | 4.24% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON AND OTHER | AGENTS 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $276 | $0 | $276 | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | USABLE LIFE | $787 | $0 | $787 | 13.52% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $287 | $0 | $287 | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $274 | $0 | $274 | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $984 | $0 | $984 | 19.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $246 | $0 | $246 | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FLOOR 4 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $351 | $0 | $351 | 11.12% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 67 | $1.9M |
| Dental(3 contracts) | FLORIDA COMBINED LIFE | 71 | $80K |
| Life insurance | USABLE LIFE | 114 | $6K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4 | $11K |
| Long-term disability | USABLE LIFE | 111 | $128K |
| Other | USABLE LIFE | 114 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.