| 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 | $0 | $89K | $89K | 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 | $31K | — | $31K | 15.00% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY INC. | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.12% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | — | $129 | 0.12% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 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 | 9.18% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY, INC | 4283 NORTHLAKE BLVD PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.35% |
| SPECIAL MARKETS INSURANCE CONSULTAN3 | 1265 MAIN STREET SUITE 202 STEVENS POINT, WI 54481 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 122 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $111K |
| Vision | HUMANA INSURANCE COMPANY | 131 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $79K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $259K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.