| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $167K | — | $167K | 5.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$2K | — | -$2K | -0.07% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 28080 FORT LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $46K | $9K | $56K | 27.82% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $14K | $17K | $31K | 15.41% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $8K | $10K | $18K | 9.09% |
| WE ARE MONDAY PEOPLE INC3 Filed as: WE ARE MONDAY PEOPLE INC. | 13652 GLOSGOW LN DELRAY BEACH, FL 33446 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $10K | $3K | $12K | 6.07% |
| BENEFITLAB INC3 Filed as: BENEFITLAB | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $6K | $2K | $8K | 3.94% |
| TGM INSURANCE INC.3 | 9881 NW 9TH CT PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $5K | $504 | $6K | 2.97% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL GABRIEL VELAZQUEZ DIAZ | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $2K | $1K | $4K | 1.75% |
| PETER DEL INVESTMENTS INC3 | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $2K | $554 | $2K | 1.09% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP OF TEXAS INC. | 832 MALLARD TRL MURPHY, TX 75094 | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | $276 | $279 | $555 | 0.28% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 9.82% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE PAUL REVERE LIFE INSURANCE COMPANY | $117 | — | $117 | 12.55% |
| BENEFITLAB INC3 Filed as: BENEFITLAB INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | THE PAUL REVERE LIFE INSURANCE COMPANY | $52 | $17 | $69 | 7.40% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES INC. | 9647 SUGAR PINES CT DAVIE, FL 33328 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | $19 | $62 | 6.65% |
| MICHAEL MARSCHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 3.11% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 481 | $3.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 476 | $281K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 476 | $281K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $130K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $130K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $130K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 481 | $3.3M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE INSURANCE | 240 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
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.