| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $173K | $200K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.15% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $477 | $0 | $477 | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2056 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $316 | $0 | $316 | 2.58% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORP CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $90 | $0 | $90 | 0.73% |
| SIMPLENROLL3 | 950 PENINSULA CORP CIRCLE SUITE 3007 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $48 | $0 | $48 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | TRUSTMARK INSURANCE COMPANY | $20 | $0 | $20 | 0.16% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | TRUSTMARK INSURANCE COMPANY | $17 | $0 | $17 | 0.14% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $410 | $0 | $410 | 5.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 256 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $271 | $0 | $271 | 3.50% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $77 | $0 | $77 | 1.00% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 4000 SE 52ND ST OCALA, FL 34480 | TRUSTMARK INSURANCE COMPANY | $16 | $0 | $16 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | LEGALPLANS, USA | $0 | $529 | $529 | 10.01% |
| SIMPLENROLL3 | 950 PENINSULA CORP CIRCLE SUITE 3007 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $134 | $0 | $134 | 11.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | TRUSTMARK INSURANCE COMPANY | $57 | $0 | $57 | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $83 | $0 | $83 | 10.04% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $5.2M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $5.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $4.6M |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $173K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $8K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $143K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.