| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD SUITE 211 COCONUT CREEK, FL 33073 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 6.59% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | HUMANA INSURANCE COMPANY | $5K | $3K | $7K | 6.20% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD SUITE 211 COCONUT CREEK, FL 33073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.56% |
| WEEKES AND CALLAWAY, INC.3 | 3945 WEST ATLANTIC AVENUE DELRAY BEACH, FL 33445 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.21% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | $93 | $710 | 0.68% |
| VOLUNTARY BENEFITS OF AMERICA, INC.3 | PO BOX 462 RICHMOND, VA 23218 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $482 | $0 | $482 | 0.46% |
| WEEKES AND CALLAWAY, INC.3 | 3945 WEST ATLANTIC AVENUE DELRAY BEACH, FL 33445 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $0 | $491 | 1.13% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $1.5M |
| Dental | HUMANA INSURANCE COMPANY | 204 | $120K |
| Vision | HUMANA INSURANCE COMPANY | 204 | $120K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $148K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $104K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.