| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA MEDICAL PLAN, INC. | $53K | $490 | $54K | 4.60% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 18.79% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.90% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD, SUITE 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $818 | $818 | 0.59% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 8.94% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | COMPBENEFITS COMPANY | $1K | $0 | $1K | 9.14% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 114 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 101 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 101 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $139K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $139K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $139K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 114 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.