| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON AND SANDS, INC. | 3050 NORTH FEDERAL HIGHWAY LIGHTHOUSE POINT, FL 33064 | HUMANA MEDICAL PLAN, INC. | $29K | $0 | $29K | 4.81% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA MEDICAL PLAN, INC. | $6K | $0 | $6K | 1.06% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON AND SANDS | 3050 NORTH FEDERAL HIGHWAY LIGHTHOUSE POINT, FL 33064 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.39% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AETNA LIFE INSURANCE COMPANY | $306 | $0 | $306 | 0.84% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON AND SANDS, INC. | 3050 NORTH FEDERAL HIGHWAY LIGHTHOUSE POINT, FL 33064 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 8.90% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $251 | $0 | $251 | 0.76% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON AND SANDS, INC. | 3050 NORTH FEDERAL HIGHWAY LIGHTHOUSE POINT, FL 33064 | COMPBENEFITS COMPANY | $2K | $0 | $2K | 16.67% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | COMPBENEFITS COMPANY | $56 | $0 | $56 | 0.46% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 102 | $601K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 93 | $45K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $33K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 146 | $36K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 146 | $36K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 102 | $601K |
| Other | AETNA LIFE INSURANCE COMPANY | 146 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.