| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AETNA HEALTH INC. | $0 | $119K | $119K | 4.23% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AETNA LIFE INSURANCE COMPANY | $0 | $36K | $36K | 4.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $56K | $0 | $56K | 8.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CENTER SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $35K | $0 | $35K | 5.00% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.00% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $19K | $68K | 20.93% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.00% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $1K | $31K | 10.49% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 15.71% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH INC. | 530 | $4.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $293K |
| Vision | HUMANA INSURANCE COMPANY | 282 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $324K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $324K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $324K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH INC. | 530 | $4.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.