| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, LLC | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $119K | $134K | 5.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN BOCA RATON, FL 33496 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.12% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, LLC | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $2K | $27K | 13.40% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $535 | $535 | 0.27% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $2.5M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $199K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $199K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $199K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $199K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $2.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.