| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | UNITEDHEALTHARE INSURANCE COMPANY | $33K | $0 | $33K | 5.74% |
| MARY TERESA DAVIS3 | AND OTHER VARIOUS BROKERS 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $3K | $271 | $4K | 10.72% |
| REBECCA WILLMORE3 Filed as: REBECCA L WILLMORE | 17449 QUEENSLAND ST LAND O LAKES, FL 34638 | AFLAC | $2K | $151 | $2K | 5.69% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D HAWKINS | 3216 MEDICI BLVD NEW SMYRNA, FL 32168 | AFLAC | $816 | $58 | $874 | 2.66% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHARE INSURANCE COMPANY | 149 | $608K |
| Dental | UNITEDHEALTHARE INSURANCE COMPANY | 149 | $575K |
| Vision | UNITEDHEALTHARE INSURANCE COMPANY | 149 | $575K |
| Life insurance | UNITEDHEALTHARE INSURANCE COMPANY | 149 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.