| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH JACOBY3 | 7855 S.W. 104TH STREET, SUITE 240 CORAL GABLES, FL 33156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $82K | $17K | $99K | 4.24% |
| JOSEPH JACOBY3 | 7855 S.W. 104TH STREET, SUITE 240 CORAL GABLES, FL 33156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | $0 | $65K | 4.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8333 N.W. 53RD STREET SUITE 600 MIAMI, FL 33166 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 7.33% |
| JOSEPH JACOBY3 | 7855 S.W. 104TH STREET, SUITE 240 CORAL GABLES, FL 33156 | FLORIDA COMBINED LIFE | — | $2K | $2K | 10.82% |
| JOSEPH JACOBY3 | 7855 S.W. 104TH STREET, SUITE 240 CORAL GABLES, FL 33156 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2K | $0 | $2K | 9.19% |
| JOSEPH JACOBY3 | 7855 S.W. 104TH STREET, SUITE 240 CORAL GABLES, FL 33156 | FLORIDA COMBINE LIFE | — | $507 | $507 | 4.36% |
| JOSEPH JACOBY3 | 7855 S.W. 104TH STREET, SUITE 240 CORAL GABLES, FL 33156 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $1K | $0 | $1K | 11.22% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $3.8M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $3.9M |
| Life insurance | FLORIDA COMBINE LIFE | 263 | $12K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $111K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $3.8M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.