| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES RD STE 400E BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $106K | $0 | $106K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | $0 | $21K | 0.51% |
| MARIALENA SELVAGGIO3 | AND VARIOUS OTHER BROKERS 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $43K | $3K | $45K | 8.69% |
| LEONAGGEO BENEFITS INC3 | 1 E CHESTERFIELD DR BOYNTON BEACH, FL 33426 | AFLAC | $38K | $2K | $40K | 7.71% |
| TINA MARIE MURRAY3 | 112 MEDICAL CENTER AVE SEBRING, FL 33870 | AFLAC | $36K | $2K | $38K | 7.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $1K | $17K | 13.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.49% |
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 | 541 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 453 | $4.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 917 | $293K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 917 | $293K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 541 | $130K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 541 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.