| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 3230 W COMMERCIAL BLVD STE 360 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | $0 | $39K | 3.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | $0 | $13K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 3230 W COMMERCIAL BLVD STE 360 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS | $2K | $0 | $2K | 3.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HEALTH OPTIONS | $635 | $0 | $635 | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $509 | $0 | $509 | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $570 | $114 | $684 | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $217 | $0 | $217 | 10.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 CAPITAL OF TX HWY S BLDG 2 STE 125 AUSTIN, TX 787466446 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $35 | $0 | $35 | 1.72% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | 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 | 90 | $1.1M |
| Dental | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | 17 | $2K |
| Vision | EYEMED VISION CARE | 93 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $5K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
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.