| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $0 | $55K | 8.29% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 8.34% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $692 | $6K | 10.40% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, 4TH FLOOR FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 7.08% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 SOUTH PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | HUMANA INSURANCE COMPANY | $246 | $0 | $246 | 1.27% |
| JOSEPH A STALTARE3 Filed as: JOSEPH A. STALTARE | 11085 SACCO DRIVE BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $175 | $34K | 203.48% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY SOUTH, STREET 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 27.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN MIAMI, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $220 | $2K | 13.87% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $131 | $417 | 2.53% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 3440 HOLLY BOULEVARD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $127 | $377 | 2.28% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $17 | $64 | 0.39% |
| JACQUELINE SUMMER CHADWICK3 Filed as: JACQUELINE S CHADWICK & OTHER AGENT | 2267 ROUNDTOP ROAD ELLIJAY, GA 30540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 CORPORATE DRIVE, SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $958 | $0 | $958 | 7.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORP CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $684 | $0 | $684 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $610 | $0 | $610 | 17.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $673K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $148K |
| Vision | HUMANA INSURANCE COMPANY | 132 | $19K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $79K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $62K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $660K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.