| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, LLC | 6100 GRADES ROAD SUITE 310 BOCA RATON, FL 33434 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 0.47% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, LLC | 6100 GRADES ROAD SUITE 310 BOCA RATON, FL 33434 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | $0 | $43K | 10.88% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, LLC | 6100 GRADES ROAD SUITE 310 BOCA RATON, FL 33434 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 19.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORDIA, INC. | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | -$103 | — | -$103 | -0.13% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, LLC | 6100 GRADES ROAD SUITE 310 BOCA RATON, FL 33434 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.76% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $4.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $4.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 389 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $398K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $398K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $398K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $4.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.