| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | $0 | $79K | 11.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33414 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | GUARDIAN | $9K | $1K | $10K | 13.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $2K | $129 | $2K | 8.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| THE LOOMIS COMPANY5 | 850 N. PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MGU UNDERWRITING FEE5 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.94% |
| DMS FINANCIAL5 | 950 PENINSULA CORP CIRCLE #3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $897 | $0 | $897 | 5.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 | AND OTHER BROKERS OR AGENTS 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $930 | $3K | 18.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 8.89% |
| MARSH & MCLENNAN AGENCY LLC4 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $226 | $0 | $226 | 16.99% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $743K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $168K |
| Vision | HUMANA INSURANCE COMPANY | 157 | $26K |
| Life insurance | GUARDIAN | 231 | $78K |
| Short-term disability | GUARDIAN | 231 | $78K |
| Long-term disability | GUARDIAN | 231 | $78K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 231 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.