| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD OF FLORIDA | $90K | $0 | $90K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC. | 1000 CORPORATE DRIVE SUITE 400 FORTLAUDERDALE, FL 33334 | HEALTH OPTIONS | $27K | $0 | $27K | 5.00% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTIONS INC | VARIOUS OTHERS 2841 NORTHEAST 55TH PLACE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | $6K | $43K | 32.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $3K | $17K | 12.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $102 | $13K | 13.84% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTIONS INC | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.91% |
| FLORIDA BLUE3 Filed as: LISA OTERO - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $9K | $0 | $9K | 13.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $6K | $0 | $6K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $26 | $229 | $255 | 58.89% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 146 | $2.3M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 161 | $93K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 228 | $223K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 161 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 228 | $433 |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 228 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.