| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES DIVISION | 8110 CYPRESS PLAZA DR SUITE 201 JACKSONVILLE, FL 32256 | FLORIDA BLUE | $47K | — | $47K | 14.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.33% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: BENTEC WORKPLACE SOLUTION | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA 1852 | $9K | — | $9K | 15.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: BENTEC WORKPLACE SOLUTION | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA 7743 | $7K | — | $7K | 15.00% |
| BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA 1851 | $5K | — | $5K | 15.00% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 43992 | $2K | — | $2K | 13.05% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 43992 | $554 | — | $554 | 3.58% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: BENTEC WORKPLACE SOLUTION | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA 5635 | $1K | — | $1K | 16.58% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTION | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 32502 | $498 | — | $498 | 6.71% |
| ROBERT HUNTER WHITTINGTON3 | 700 WHILLSBORO BLVD BLDG2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 32502 | $230 | — | $230 | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2056 VISTA PARKWAY STE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 32502 | $72 | — | $72 | 0.97% |
| ROBERT HUNTER WHITTINGTON3 | 700 W HILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95877 | $629 | — | $629 | 9.38% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95877 | $593 | — | $593 | 8.84% |
| ROBERT HUNTER WHITTINGTON3 | 700 WHILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95876 | $332 | — | $332 | 6.45% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95876 | $282 | — | $282 | 5.48% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95876 | $14 | — | $14 | 0.27% |
| CLIFFORD MCCOLLUM3 Filed as: CLIFFORD H MCCOLLUM JR | 1809 CORPORATE DRIVE OPELIKA, AL 36801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95876 | $4 | — | $4 | 0.08% |
| ROBERT HUNTER WHITTINGTON3 | 700 WILLSBORO BLVD BLDG 2 STE 102 DEERFIELD BEACH, FL 33441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95875 | $302 | — | $302 | 6.56% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELINE, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY 95875 | $282 | — | $282 | 6.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $110K |
| EMPLOYEE BENEFITS CONSULTANT EIN 59-3484703 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | — | $0 |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY 43992 | 54 | $39K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $101K |
| Life insurance(6 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA 7743 | 54 | $88K |
| Short-term disability(7 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA 1851 | 237 | $81K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA 1852 | 97 | $67K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 131 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.