| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.50% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 122 REDWOOD DRIVE JUPITER, FL 33458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.60% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.19% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.94% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.50% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.80% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.54% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.73% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | EYEMED VISION CARE | $2K | — | $2K | 5.01% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | EYEMED VISION CARE | $769 | — | $769 | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 122 REDWOOD DRIVE JUPITER, FL 33458 | EYEMED VISION CARE | $769 | — | $769 | 2.51% |
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 | 821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $294K |
| Vision | EYEMED VISION CARE | 556 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 821 | $317K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 325 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 821 | $224K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 977 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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.