| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY | 4283 NORTHLAKE BLVD PALM BEACH GADRENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $81K | $81K | 5.00% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 15.00% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY INC. | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.00% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| CELEDINAS INSURANCE GROUP3 Filed as: CELEDINAS AGENCY, INC. | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| CELEDINAS INSURANCE GROUP3 | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.44% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 120 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $100K |
| Vision | HUMANA INSURANCE COMPANY | 130 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $72K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $230K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.