| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENDELLA LLC3 Filed as: PENDELLA, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 14.14% |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.88% |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.17% |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC. | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $524 | — | $524 | 9.91% |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | — | $432 | 13.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $276 | $377 | $653 | 30.29% |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 #800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $256 | — | $256 | 11.87% |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 #800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67 | — | $67 | — |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 #800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27 | — | $27 | — |
| PENDELLA LLC3 | 13300 SOUTH CLEVELAND AVENUE SUITE 56 #800 FORT MYERS, FL 33907 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71 | — | $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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $184K |
| Vision | VISION SERVICE PLAN | 53 | $5K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $28K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34 | $13K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $8K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.