| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | AETNA HEALTH, INC. | $112K | — | $112K | 3.96% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.08% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | AETNA LIFE INSURANCE CO. | $6K | $5K | $11K | 6.96% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.69% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.18% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.95% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $2K | — | $2K | 9.02% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 19.70% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 18 | $164K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $173K |
| Vision | HUMANA INSURANCE COMPANY | 317 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $247K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $247K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $175K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.