| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M KENNEDY3 | 6726 ENGLELAK DR LAKELAND, FL 33813 | HUMANA MEDICAL PLAN, INC. | $25K | — | $25K | 2.88% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | HUMANA MEDICAL PLAN, INC. | $25K | — | $25K | 2.88% |
| JOHN M KENNEDY3 | 6726 ENGLELAK DR LAKELAND, FL 33813 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| JOHN M KENNEDY3 | 6726 ENGLELAK DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.97% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.03% |
| JOHN M KENNEDY3 | 6726 ENGLELAK DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.04% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.96% |
| JOHN M KENNEDY3 | 6726 ENGLELAK DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.08% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.92% |
| JOHN M KENNEDY3 | 6726 ENGLELAK DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | — | $340 | 8.01% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $296 | — | $296 | 6.98% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 104 | $862K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $65K |
| Vision | HUMANA MEDICAL PLAN, INC. | 104 | $862K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $19K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.