| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.76% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP. | 600 CORPORATE DRIVE, SUITE 320 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 11.54% |
| JEFFREY E. NEWMAN & ASSOCIATES3 Filed as: JEFFREY NEWMAN & ASSOCIATES | 2 S BISCAYNE BLVD # 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $787 | — | $787 | 0.58% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL INC | 2 S BISCAYNE BLVD # 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.05% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.75% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S. BERNSTEIN | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.61% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.27% |
| VOLUNTARY BENEFITS OF AMERICA, INC.3 Filed as: VOLUNTARY BENEFITS OF AMERICA | PO BOX 462 RICHMOND, VA 23218 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.02% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP. (BOR) | 600 CORPORATE DRIVE, SUITE 650 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.85% |
| PAR-DI SERVICES INC3 Filed as: PAR-DI SERVICES INC. | 2701 SOUTH BAYSHORE DRIVE SUITE 600 MIAMI, FL 33133 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $701 | $701 | 4.46% |
| ROBERT S NEALE3 Filed as: ROBERT S. NEALE | 936 VAN BUREN STREET HOLLYWOOD, FL 33019 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 1.55% |
| MARGARET A. OVERBY3 | 15505 CEDAR BLUFF PLACE WELLINGTON, FL 33414 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 1.02% |
| VALKEN ENTERPRISES INC.3 | ATTN SANDY MELENDI ING LIFE DESIGN 2255 GLADES ROAD, SUITE 324A BOCA RATON, FL 33431 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION, INC. EIN 65-0362462 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | 6161 WASHINGTON STREET HOLLYWOOD, FL 33023 | $10K |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 352 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $136K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 397 | $22K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $438K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $323K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.