| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHEINGOLD BICK INSURANCE LLC3 Filed as: RHEINGOLD-BICK INSURANCE LLC | 1950 N. COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | — | $85K | 18.35% |
| ROGERS BENEFIT GROUP INC3 | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 6.12% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES | 1950 N. COMMERCE PARKWAY FORT LAUDERDALE, FL 33326 | GUARDIAN | $18K | — | $18K | 7.81% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 23.25% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES | 1950 N COMMERCE PKWY FORT LAUDERDALE, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.55% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $221 | $651 | 3.56% |
| JACQUELINE SUMMER CHADWICK3 | 2267 ROUNDTOP RD ELLIJAY, GA 30540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | — | $541 | 2.96% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $280 | $519 | 2.84% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DR PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $13 | $141 | 0.77% |
| MORFAR STRATEGIES INC3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CARRIER | Other services; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Participant communication; Float revenue; Named fiduciary Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $4K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $465K |
| Dental | GUARDIAN | 203 | $232K |
| Vision | GUARDIAN | 203 | $232K |
| Life insurance | GUARDIAN | 203 | $232K |
| Short-term disability | GUARDIAN | 203 | $232K |
| Long-term disability | GUARDIAN | 203 | $232K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 203 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.