| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 222 CHURCH STREET KISSIMMEE, FL 34741 | TRULI | $38K | — | $38K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 222 CHURCH STREET KISSIMMEE, FL 34741 | HEALTH OPTIONS, INC | $24K | — | $24K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 222 CHURCH STREET KISSIMMEE, FL 34741 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $2K | $22K | 9.09% |
| THE MEEHAN AGENCY LLC3 | 2910 MAGUIRE RD STE 2005 OCOEE, FL 34761 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $82 | $82 | 0.03% |
| VARIOUS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $5K | $26K | 45.49% |
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 | 144 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRULI | 111 | $1.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $245K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $245K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $245K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $245K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $245K |
| Prescription drug(3 contracts, 3 carriers) | TRULI | 111 | $1.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.