| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.50% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 2524 LALIGUR CIRCLE PALM BEACH GARDENS, FL 33410 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 122 REDWOOD DR JUPITER, FL 33458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.60% |
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.48% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 701 US HIGHWAY ONE STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.39% |
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.45% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 701 US HIGHWAY ONE STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.47% |
| LARRY C. COOK3 Filed as: LARRY C COOK | 10793 118TH TER LIVE OAK, FL 32060 | EYEMED VISION CARE | $3K | — | $3K | 4.70% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | EYEMED VISION CARE | $2K | — | $2K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 701 US HIGHWAY ONE STE 404 NORTH PALM BEACH, FL 33408 | EYEMED VISION CARE | $1K | — | $1K | 2.35% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.85% |
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.14% |
| LARRY C. COOK3 Filed as: LARRY C COOK | 10793 118TH TER LIVE OAK, FL 32060 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $430 | — | $430 | 0.70% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 701 US HIGHWAY ONE STE 404 NORTH PALM BEACH, FL 33408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.14% |
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.14% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $2K | — | $2K | 14.91% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | UNUM INSURANCE COMPANY | $707 | — | $707 | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 701 US HIGHWAY ONE STE 404 NORTH PALM BEACH, FL 33408 | UNUM INSURANCE COMPANY | $686 | — | $686 | 4.92% |
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | UNUM INSURANCE COMPANY | $686 | — | $686 | 4.92% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.98% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM C GOODLAD | 701 US HIGHWAY ONE N STE 404 NORTH PALM BEACH, FL 33408 | UNUM INSURANCE COMPANY | $492 | — | $492 | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELLEN H GALLAGHER | 701 US HIGHWAY ONE STE 404 NORTH PALM BEACH, FL 33408 | UNUM INSURANCE COMPANY | $481 | — | $481 | 4.95% |
| TERRY COOK3 | 10793 118TH TER LIVE OAK, FL 32060 | UNUM INSURANCE COMPANY | $481 | — | $481 | 4.95% |
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 | 673 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 593 | $367K |
| Vision | EYEMED VISION CARE | 1,139 | $64K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 892 | $459K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 294 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 892 | $344K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,262 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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.