| 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 | $61K | — | $61K | 13.71% |
| CUNDY, INC.3 | P O BOX 24080 FORT LAUDERDALE, FL 333074089 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 4.96% |
| CUNDY, INC.3 | P O BOX 24080 FORT LAUDERDALE, FL 33307 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 8.11% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | P O BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.62% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | P O BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $427 | — | $427 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $47K |
| CUNDY, INC. EIN 59-1089031 BROKER | Other commissions Service code 55 | 4345 E TRADEWINDS AVE LAUDERDALE BY THE SEA, FL 33308 | $9K |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 115 | $135K |
| Vision | HUMANA INSURANCE COMPANY | 115 | $135K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $85K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $85K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $442K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.