| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $24K | $111K | $135K | 4.19% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.22% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 14.81% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 7.98% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 5.99% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 3.99% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.00% |
| DENNIS CHARLEY & ASSOC. INC.3 | 1555 NORTH PARK DRIVE SUITE 100 WESTON, FL 33326 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $358 | — | $358 | 15.00% |
| FT LAUDERDALE OFFICE, DIRECT B3 | 1 EAST BROWARD, STE 801 FORT LAUDERDALE, FL 33301 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $3.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $3.2M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $3.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $349K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $215K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $215K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.