| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JORDAN DYNAMICS3 Filed as: JORDAN DYNAMICS INC | 11641 KEW GARDENS AVE STE 111 PALM BEACH GARDENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $120K | — | $120K | 24.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 6.85% |
| UNITED BENEFIT ADVISOR OF FLORIDA3 | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Named fiduciary; Float revenue; Claims processing; Other services; Participant communication; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $103K |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $480K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $181K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $181K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $181K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $181K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
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.