| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $134K | $4K | $138K | 11.73% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $19K | $0 | $19K | 5.04% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36K | $0 | $36K | 14.73% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $2K | $26K | 15.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.65% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 6.10% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $5K | $0 | $5K | 15.22% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $243K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 433 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $162K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $162K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $162K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.