| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVKAT INSURANCE3 Filed as: DAVKAT ENTERPRISES INC | 514 AMERICAS WAY PMB 9354 BOX ELDER, SD 57719 | AETNA LIFE INSURANCE CO. | $0 | $71K | $71K | 5.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SERVICES | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $0 | $11K | $11K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $0 | $7K | $7K | 0.55% |
| DAVKAT INSURANCE3 | 514 AMERICAS WAY PMB 9354 BOX ELDER, SD 57719 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $525 | $0 | $525 | 0.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SVCS SUITE 400S 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $388 | $0 | $388 | 0.52% |
| DAVKAT INSURANCE3 Filed as: DAVKAT INS | 514 AMERICAS WAY PMB 9354 BOX ELDER, SD 57719 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 8.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 4.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMPANION LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.83% |
| DAVID S DILLOW3 | 5751 NE 97TH CT BRONSON, FL 32621 | AFLAC | $4K | $52 | $4K | 15.46% |
| SYLVIA ROSSI-MONTERO3 | AND VARIOUS OTHER AGENTS 3109 GRAND AVE #412 COCONUT GROVE, FL 33133 | AFLAC | $2K | $23 | $2K | 7.65% |
| CERTIFIED INSURANCE SOLUTIONS INC.3 | 11555 HERON BAY BLVD STE 200 CORAL SPRINGS, FL 33076 | AFLAC | $798 | $0 | $798 | 2.87% |
| DAVKAT INSURANCE3 | 514 AMERICAS WAY PMB 9354 BOX ELDER, SD 57719 | COMPBENEFITS COMPANY | $742 | $0 | $742 | 4.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SVCS SUITE 400S 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | COMPBENEFITS COMPANY | $266 | $0 | $266 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMPBENEFITS COMPANY | $68 | $0 | $68 | 0.40% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 245 | $1.3M |
| Dental | COMPBENEFITS COMPANY | 72 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 253 | $62K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 253 | $62K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 253 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
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.