| 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 | $43K | $178K | $221K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SYMETRA LIFE INSURANCE COMPANY | $80K | $0 | $80K | 17.89% |
| ALSTON, ROBIN H.3 Filed as: ALSTON, ROBIN H | PO BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LEGALPLANS, USA | $0 | $5K | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 33.73% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 16.70% |
| SHERILL ASHLEY HERNANDEZ3 | 10933 NW 55TH STREET CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1K | $0 | -$1K | -5.61% |
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 | 1,455 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,260 | $7.9M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,200 | $101K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,455 | $449K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,455 | $449K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,455 | $449K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,455 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,260 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.