| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5.6M | $0 | $5.6M | 500.00% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | $0 | $11K | 4.89% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 15.00% |
| MELISSA LEA WHIPPLE3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 4.99% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | BLUE CROSS BLUE SHIELD OF FLORIDA | $503K | $0 | $503K | 500.00% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | EYEMED | $2K | $0 | $2K | 12.46% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | EYEMED | $422 | $0 | $422 | 2.28% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 83 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $189K |
| Vision | EYEMED | 297 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $189K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $189K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $189K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 44 | $442K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.