| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOK, LARRY C3 Filed as: COOK, TERRY | 10793 118TH TERRACE LIVE OAK, FL 32060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.41% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, ELLEN H | 122 REDWOOD DRIVE JUPITER, FL 33458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.60% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $344 | — | $344 | 0.09% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.57% |
| COOK, LARRY C3 Filed as: COOK, TERRY | 10793 118TH TERRACE LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.57% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.50% |
| COOK, LARRY C3 Filed as: COOK, TERRY | 10793 118TH TERRACE LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.50% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| COOK, LARRY C3 Filed as: COOK, TERRY | 10793 118TH TERRACE LIVE OAK, FL 32060 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $858 | — | $858 | 0.98% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $809 | — | $809 | 0.93% |
| COOK, LARRY C3 | 10793 118TH TERRACE LIVE OAK, FL 32060 | EYEMED VISION CARE | $2K | — | $2K | 4.96% |
| GOODLAD, WILLIAM C3 | 701 US HIGHWAY ONE N, STE 404 NORTH PALM BEACH, FL 33408 | EYEMED VISION CARE | $1K | — | $1K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, ELLEN H | 112 REDWOOD DRIVE JUPITER, FL 33458 | EYEMED VISION CARE | $1K | — | $1K | 2.48% |
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 | 909 | 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) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $403K |
| Vision | EYEMED VISION CARE | 716 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 976 | $445K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 262 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 976 | $333K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,324 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.