| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JORDAN DYNAMICS3 Filed as: JORDAN DYNAMICS, INC. | 11641 KEW GARDENS AVE STE 111 PALM BEACH GARDENS, FL 334102846 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.90% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLORIDA, | LLC 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $6K | $31K | 14.09% |
| JORDAN DYNAMICS3 Filed as: JORDAN DYNAMICS, INC | 11641 KEW GARDENS AVENUE PALM BEACH GARDENS, FL 33410 | TRANSAMERICA INSURANCE CO. | $12K | — | $12K | 12.74% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $0 | $8K | $8K | 8.23% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $0 | $6K | $6K | 6.42% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $811K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $217K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $217K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $217K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $217K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $217K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.