| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 | P O BOX 24080 FORT LAUDERDALE, FL 33307 | SUN LIFE ASSURANCE COMPANY OF CANADA | $73K | — | $73K | 15.00% |
| CUNDY, INC.3 | P O BOX 24080 FORT LAUDERDALE, FL 333074089 | HUMANA INSURANCE COMPANY | $7K | $8K | $15K | 11.07% |
| CUNDY, INC.3 | P O BOX 24080 FORT LAUDERDALE, FL 33307 | STANDARD INSURANCE COMPANY | $10K | $3K | $13K | 13.05% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | P O BOX 24080 FORT LAUDERDALE, FL 33307 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 13.07% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | P O BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $80K |
| CUNDY, INC. EIN 59-1089031 BROKER | Other commissions Service code 55 | 4345 E TRADEWINDS AVE LAUDERDALE BY THE SEA, FL 33308 | $10K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 100 | $139K |
| Vision | HUMANA INSURANCE COMPANY | 100 | $139K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $99K |
| Long-term disability | STANDARD INSURANCE COMPANY | 127 | $41K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 90 | $487K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 140 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.