| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90A JOHN MUIR DR SUITE 100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 5.45% |
| UMR, INC.3 Filed as: UMR | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.61% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITEDHEALTHCARE INSURANCE COMPANY | $223K | — | $223K | 51.25% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CUNDY, INC.3 Filed as: CUNDY, INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITEDHEALTHCARE | $9K | $0 | $9K | 10.02% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD SUITE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $17K | $2K | $18K | 50.54% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 16.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARATHON HEALTH EIN 26-0103977 NONE | Other services Service code 49 | — | $1.1M |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $748K |
| CUNDY, INC. EIN 59-1089031 BROKER | Other commissions Service code 55 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | $127K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Other services Service code 49 | — | $118K |
| RX BENEFITS EIN 63-1157085 NONE | Other services Service code 49 | — | $2K |
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 | 2,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTH CARE | 2,178 | $795K |
| Vision | UNITEDHEALTHCARE | 1,078 | $93K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,286 | $326K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,208 | $642K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,695 | $254K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,172 | $877K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,193 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,286 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.