| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AETNA LIFE INSURANCE COMPANY | $34K | $240K | $274K | 4.56% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | PROSPERITY LIFE GROUP | $90K | $0 | $90K | 14.00% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83K | $28K | $111K | 20.16% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.58% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 14.86% |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 985 | $6.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 985 | $6.0M |
| Vision | HUMANA INSURANCE COMPANY | 397 | $61K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 527 | $552K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 527 | $552K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 527 | $552K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 985 | $6.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 527 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.