| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $112K | $46K | $158K | 15.04% |
| JOHN H VRATSINAS3 Filed as: JOHN HARRY VRATSINAS | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 6.16% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | $0 | $50K | 5.26% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 1.45% |
| MICHELLE TIFFANY DUBE3 | 104 WISCONSIN STREET LAKE WORTH, FL 33461 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 1.37% |
| CHRISTOPHER D. LEE & OTHER AGENTS3 | 837 SE COURANCES DRIVE PORT SAINT LUCIE, FL 34984 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.42% |
| ANNA ELIZABETH INC3 Filed as: ANNA ELIZABETH VRATSINAS | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE, SUITE 400 FORT LAUDERDALE, FL 33334 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $91K | $0 | $91K | 18.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $8K | $26K | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $3K | $10K | 20.13% |
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 | 3,946 | 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) | 3,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,237 | $260K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,946 | $1.1M |
| Short-term disability | BANKERS FIDELITY LIFE INSURANCE COMPANY | 1,261 | $488K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,946 | $1.1M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5,286 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,286 | — |
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."
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.