| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M KENNEDY3 | 6726 ENGLE LAKE DR LAKELAND, FL 33813 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 7.53% |
| DAVID SHORE3 | 1300 CONCORD TERRACE 5TH FLOOR SUNRISE, FL 33323 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 7.53% |
| DAVID GREGG SHORE3 | 4960 ROTHSCHILD DRIVE POMPANO BEACH, FL 33067 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DRIVE LAKELAND, FL 33813 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| NPC FINANCIAL INC.3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $200 | — | $200 | 0.38% |
| ALLIANCE FINANCIAL GROUP3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 0.19% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | ROUND TABLE STUDIOS SUITE 1000 200 CONNELL DR. BERKELEY HEIGHTS, NJ 07922 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.00% |
| DAVID GREGG SHORE3 | 1300 CONCORD TERRACE 5TH FLOOR SUNRISE, FL 33323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| JOHN M KENNEDY3 Filed as: JOHN MAXWELL KENNEDY | 6726 ENGLELAKE DR LAKELAND, FL 33813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $26K |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $529K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $28K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.