| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD K CARROLL JR3 | 2160 N.E. DIXIE HWY JENSEN BEACH, FL 349576490 | HEALTH OPTIONS | $35K | — | $35K | 5.56% |
| RICHARD K CARROLL JR3 | 2160 N.E. DIXIE HWY JENSEN BEACH, FL 349576490 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | — | $34K | 5.57% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $553 | $9K | 10.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.71% |
| RICK CARROLL INSURANCE3 | PO BOX 877 950 SOUTH STATE RD JENSEN BEACH, FL 34958 | CIGNA GROUP INSURANCE | $6K | — | $6K | 15.00% |
| RICK CARROLL INSURANCE3 | PO BOX 877 950 SOUTH STATE RD JENSEN BEACH, FL 34958 | CIGNA GROUP INSURANCE | $5K | — | $5K | 15.00% |
| RICK CARROLL INSURANCE3 | PO BOX 877 950 SOUTH STATE RD JENSEN BEACH, FL 34958 | CIGNA GROUP INSURANCE | $4K | — | $4K | 15.00% |
| RICK CARROLL INSURANCE3 | PO BOX 877 950 SOUTH STATE RD JENSEN BEACH, FL 34958 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| RICK CARROLL INSURANCE3 | PO BOX 877 950 SOUTH STATE RD JENSEN BEACH, FL 34958 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| RICK CARROLL INSURANCE3 | PO BOX 877 950 SOUTH STATE RD JENSEN BEACH, FL 34958 | CIGNA GROUP INSURANCE | $698 | — | $698 | 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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 92 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $86K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $86K |
| Life insurance | CIGNA GROUP INSURANCE | 264 | $35K |
| Short-term disability | CIGNA GROUP INSURANCE | 62 | $41K |
| Long-term disability | CIGNA GROUP INSURANCE | 38 | $26K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 92 | $1.2M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.