| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYSTEM INC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $164K | — | $164K | 2.31% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NV 10178 | HARTFORD LIFE AND ACCIDENT | — | $108K | $108K | 2.83% |
| DAVID L CUNDY3 | P O BOX 24080 FORT LAUDERDALE, FL 333074080 | METROPOLITAN LIFE INSURANCE COMPANY | $873 | — | $873 | 7.47% |
| PAR-DI SERVICES INC3 | P O BOX 3438 TEQUESTA, FL 334691006 | METROPOLITAN LIFE INSURANCE COMPANY | $488 | — | $488 | 4.17% |
| ESKRA & ASSOCIATES INC3 | 100 MIRACLE MILE STE 250 MORRISON FINAN C/O EDWARD MORRISON CORAL GABLES, FL 331345428 | METROPOLITAN LIFE INSURANCE COMPANY | $340 | — | $340 | 2.91% |
| THOMAS C CUNDY3 | P O BOX 24080 FORT LAUDERDALE, FL 333074080 | METROPOLITAN LIFE INSURANCE COMPANY | $119 | — | $119 | 1.02% |
| ROBERT S NEALE3 | 401 OLD DIXIE HWY P O BOX 3438 TEQUESTA, FL 334692497 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | — | $34 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 13,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,178 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 100 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3 | $12K |
| Vision | VISION SERVICE PLAN | 8,876 | $1.2M |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 20,710 | $7.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,532 | $3.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 20,710 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,710 | — |
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."
No prospect flags tripped on this filing.