| 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 | $7K | $36K | $43K | 4.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | PROSPERITY LIFE GROUP | $10K | — | $10K | 14.02% |
| PROVIDENCE BENEFITS3 | 2000 PROVIDENCE PARK, SUITE 200 BIRMINGHAM, AL 35242 | PROSPERITY LIFE GROUP | -$7 | — | -$7 | -0.01% |
| TAYLOR LARRY WIGGINS3 | 90 BENT BAY PASS GADSDEN, AL 35901 | PROSPERITY LIFE GROUP | -$16 | — | -$16 | -0.02% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $620 | $8K | 14.60% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.25% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $959K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $890K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $56K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $56K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $959K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $946K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.