| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD K CARROLL JR3 | 2160 N.E. DIXIE HWY JENSEN BEACH, FL 349576490 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $82K | $27K | $109K | 28.50% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | FLORIDA COMBINED LIFE | $4K | — | $4K | 4.56% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | CIGNA GROUP INSURANCE | $6K | — | $6K | 15.12% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | CIGNA GROUP INSURANCE | $5K | — | $5K | 15.25% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | CIGNA GROUP INSURANCE | $4K | — | $4K | 14.77% |
| RICHARD K CARROLL JR3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | BLUECROSS BLUESHIELD OF FLORIDA, INC | $1K | — | $1K | 10.00% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $975 | — | $975 | 15.00% |
| RICK CARROLL INSURANCE3 | 2160 NE DIXIE HWY JENSEN BEACH, FL 34957 | CIGNA GROUP INSURANCE | $707 | — | $707 | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE FEES | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $36K |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $383K |
| Dental | FLORIDA COMBINED LIFE | 109 | $80K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC | 109 | $12K |
| Life insurance | CIGNA GROUP INSURANCE | 286 | $40K |
| Short-term disability | CIGNA GROUP INSURANCE | 40 | $32K |
| Long-term disability | CIGNA GROUP INSURANCE | 28 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $383K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.