| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NORTHWEST 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | $0 | $13K | 5.00% |
| EDEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | $74 | $814 | 6.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $247 | $247 | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | $64 | $705 | 6.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $234 | $234 | 2.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | ALLSTATE BENEFITS | $1K | $0 | $1K | 25.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | ALLSTATE BENEFITS | $68 | $0 | $68 | 1.39% |
| AON CONSULTING INC3 | 29480 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE BENEFITS | $49 | $0 | $49 | 1.00% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | ALLSTATE BENEFITS | $21 | $0 | $21 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $435 | $0 | $435 | 9.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $281 | $28 | $309 | 6.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $94 | $94 | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | $0 | $194 | 9.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124 | $12 | $136 | 6.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $41 | $41 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | METROPOLITAN GENERAL INSURANCE COMPANY | $178 | $0 | $178 | 9.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METROPOLITAN GENERAL INSURANCE COMPANY | $99 | $0 | $99 | 5.43% |
| WHANNELL, PATRICK S3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 12.47% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 138 | $803K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $61K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $13K |
| Other(4 contracts, 4 carriers) | ALLSTATE BENEFITS | 76 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.