| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE & COMPANY3 Filed as: WHIPPLE & COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | AETNA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.32% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 13.15% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $104 | $104 | 0.04% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.93% |
| WHIPPLE & COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $4K | $0 | $4K | 14.98% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 6.19% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $696 | $0 | $696 | 3.03% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 452 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $143K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 353 | $23K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $262K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $262K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $262K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 452 | $3.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 282 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.