| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $259K | $0 | $259K | 7.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ZURICH AMERICAN INSURANCE COMPANY | $652 | $0 | $652 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $652 | $652 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $368 | $368 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $276 | $0 | $276 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ZURICH AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $150 | $150 | 15.00% |
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 | 1,928 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,928 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,764 | $3.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,764 | $3.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,928 | $1.3M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,928 | $1.3M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,928 | $1.3M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,764 | $3.6M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,930 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,764 | — |
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.