| 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 | $35K | $0 | $35K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 JUPITER, FL 33469 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | $0 | $8K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $653 | $4K | 7.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 13.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19403 | HARTFORD LIFE AND ACCIDENT | $0 | $579 | $579 | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $40 | $40 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 218 SOUTH US HIGHWAY, SUITE 300 TEQUESTA, FL 33469 | USABLE LIFE | $5K | $0 | $5K | 12.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2-2 JACKSONVILLE, FL 32246 | USABLE LIFE | $859 | $75 | $934 | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | USABLE LIFE | $266 | $0 | $266 | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | STANDARD INSURANCE COMPANY | $3K | $577 | $3K | 23.51% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES, INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $451 | $0 | $451 | 11.76% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $301 | $0 | $301 | 7.85% |
| BROWN AND BROWN OF FLORIDA, INC.4 | 817 BEACHLAND BOULEVARD VERO BEACH, FL 32963 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | $0 | $62 | 1.62% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $928K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $51K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 203 | $88K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $44K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $928K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 203 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.