| 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 | $10K | $3K | $13K | 4.06% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 16.88% |
| DAVID ADAMS3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 16.63% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN ASSOCIATES INC | 1551 FORUM PLACE STE 300A WEST PALM BEACH, FL 33401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $461 | $17K | 17.18% |
| 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 | $1K | — | $1K | 2.58% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $580 | — | $580 | 1.02% |
| VOLUNTARY BENEFITS OF AMERICA, INC.3 Filed as: VOLUNTARY BENEFITS OF AMERICA | PO BOX 462 RICHMOND, VA 23218 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | — | $278 | 0.49% |
| 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 | 11.00% |
| 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 | $11K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSSA HARTFORD, CT 06156 | $6K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 INSURANCE AGENTS AND BRO | Insurance agents and brokers Service code 22 | — | $0 |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 359 | $4.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 459 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $443K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $309K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.