| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 34994 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | — | $135K | 9.81% |
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 34994 | FLORIDA COMBINED LIFE | $21K | — | $21K | 4.66% |
| ASCENSION INSURANCE AGENCY3 | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 11.92% |
| ASCENSION INSURANCE AGENCY3 | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 10.00% |
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PKWY STUART, FL 349943967 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.65% |
| ASCENSION INSURANCE AGENCY3 | 700 CENTRAL PARKWAY STUART, FL 34994 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.23% |
| EMPLOYERS MUTUAL INC.3 Filed as: EMPLOYERS MUTUAL INC | 700 CENTRAL PARKWAY STUART, FL 349943967 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6 | — | $6 | 9.84% |
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 | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $61 |
| Dental | FLORIDA COMBINED LIFE | 612 | $445K |
| Vision | HUMANA INSURANCE COMPANY | 501 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 742 | $321K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 750 | $177K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,106 | $1.4M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 742 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.