| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID KUSHNER3 | 16831 ISLE OF PALMS, APARTMENTS C DELRAY, FL 33484 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 7.31% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HELATH & BENEFITS ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 18.49% |
| DAVID KUSHNER3 | UNKNOWN DELRAY BEACH, FL 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 3.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | UNKNOWN PHILADELPHIA, PA 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$2 | $0 | -$2 | -0.01% |
| DAVID KUSHNER3 | 16831 ISLE OF PALMS, APARTMENTS C DELRAY, FL 33484 | SHELTERPOINT | $5K | $0 | $5K | 17.00% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 166 | $39K |
| Vision | SHELTERPOINT | 363 | $29K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $213K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $213K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $213K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.