| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | AETNA HEALTH INC | $40K | — | $40K | 4.85% |
| ADAMS BENEFIT CORPORATION | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | AETNA HEALTH INC | — | $8K | $8K | 0.95% |
| ADAMS BENEFIT CORPORATION | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | AETNA HEALTH INC | — | $5K | $5K | 0.61% |
| ADAMS BENEFIT CORPORATION | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 4.77% |
| ADAMS BENEFIT CORPORATION | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | GUARDIAN | $6K | — | $6K | 10.00% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 44 | $214K |
| Dental | GUARDIAN | 170 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.