| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC. Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | $0 | $72K | 1.11% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 0.33% |
| CUNDY, INC. Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE CO OF AMERICA | — | $14K | $14K | 2.32% |
| DONALD CALVERT | 450 LAS OLAS VLVD 15TH FLOOR FORT LAUDERDALE, FL 33301 | CAPITAL HEALTH PLAN | $12K | $0 | $12K | 2.90% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 985 | $6.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 985 | $6.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 985 | $6.5M |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 655 | $625K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 655 | $625K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 985 | $6.5M |
| Other | UNUM LIFE INSURANCE CO OF AMERICA | 655 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.