| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $109K | $0 | $109K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $225 | $2K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.01% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 24.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 16.42% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NORTHEAST 55TH PLACE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $84 | $1K | 10.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $926 | $92 | $1K | 7.92% |
| NYRA VELASCO3 Filed as: NYRA VELASCO AND OTHER AGENTS | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $100 | $510 | 3.97% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY & CASUALTY, LLC | 13500 SW 88TH STREET, SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $72 | $339 | 2.64% |
| TANISHIA N. JONES3 | PO BOX 670910 POMPANO BEACH, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 1.86% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $7 | $226 | 1.76% |
| CHARLES ROBERT MAURICE3 | 3311 NW 26TH AVENUE GAINESVILLE, FL 32605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 1.46% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 160 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $214K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $214K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $341K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $13K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $214K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 160 | $1.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.