| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $843K | $428K | $1.3M | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $476K | $0 | $476K | 24.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AMERITAS LIFE INSURANCE COMPANY | $8K | $10K | $18K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $0 | $5K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS OF FLORIDA | $25K | $4K | $28K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.7M |
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 | 11,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 33 | $399K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 7,858 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,070 | $8.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,070 | $8.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,070 | $8.4M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 33 | $399K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 8,913 | $3.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 11,070 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,070 | — |
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.