| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLANTIC PACIFIC INSURANCE3 Filed as: ATLANTIC PACIFIC INSURANCE INC | 11382 PROSPERITY FARMS RD SUITE 123 PALM BEACH GARDENS, FL 334103463 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.64% |
| ROGERS BENEFIT GROUP INC3 | 600 SANDTREE DRIVE SUITE 208 PALM BEACH GARDENS, FL 334030004 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.04% |
| ATLANTIC PACIFIC INSURANCE3 | 11382 PROSPERITY FARMS RD SUITE 123 PALM BEACH GARDENS, FL 33410 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 38.19% |
| ATLANTIC PACIFIC INSURANCE3 | 11382 PROSPERITY FARMS RD SUITE 123 PALM BEACH GARDENS, FL 33410 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 32.85% |
| ATLANTIC PACIFIC INSURANCE3 | 11382 PROSPERITY FARMS RD SUITE 123 PALM BEACH GARDENS, FL 33410 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 29.20% |
| ATLANTIC PACIFIC INSURANCE3 | 11382 PROSPERITY FARMS RD SUITE 123 PALM BEACH GARDENS, FL 33410 | SOLSTICE BENEFITS INC | $166 | — | $166 | 7.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 162 | $676K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $78K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $76K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $76K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $76K |
| Other(3 contracts) | TRUSTMARK INSURANCE COMPANY | 22 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.