| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT PARTNERS INC3 | 602 SW MANDIBA DRIVE LAKE CITY, FL 32024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 4.04% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC PBG | 7310 NORTH 16TH STREET, SUITE 226 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 1.04% |
| ROGERS BENEFIT GROUP INC3 | 600 SAND TREE DRIVE, SUITE 208 PALM BEACH GARDENS, FL 33403 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $176 | $176 | 0.02% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH SUITE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $9K | 11.43% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $351 | $4K | 4.89% |
| LESLIE M CARLET3 | 602 SW MANDIBA DRIVE LAKE CITY, FL 32024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.88% |
| LYNN MARIE BARRY3 | 301 WEST PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $631 | $2K | 2.38% |
| JACQUELINE SUMMER CHADWICK3 Filed as: JACQUELINE CHADWICK AND OTHER AGENT | 2267 ROUNDTOP ROAD ELLIJAY, GA 30540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $540 | $2K | 2.31% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $275 | $1K | 1.98% |
| VENESSA N DEAN3 | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $985 | $0 | $985 | 1.30% |
| AMERICAN BENEFIT PARTNERS INC3 Filed as: AMERICAN BENEFIT PARTNERS, INC | 602 SW MANDIBA DRIVE LAKE CITY, FL 32024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.34% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $58K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 68 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.