| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA MEDICAL PLAN, INC. | $54K | $2K | $56K | 4.12% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $5K | $15K | 14.58% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.70% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $13K | 16.90% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES, LLC | 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 12.59% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 8.39% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2, SUITE 102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 9.92% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | $0 | $433 | 9.44% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 3.58% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 224 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $104K |
| Vision | HUMANA INSURANCE COMPANY | 162 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $141K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 83 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $80K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 224 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.