| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | AETNA HEALTH, INC. | $42K | — | $42K | 5.87% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP. | 600 CORPORATE DRIVE, #320 FT. LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR. SUITE 650 FT. LAUDERDALE, FL 33334 | AETNA LIFE INSURANCE COMPANY | $656 | $293 | $949 | 14.83% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP. | 600 CORPORATE DRIVE SUITE 650 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $734 | — | $734 | 17.94% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 293 | $724K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 130 | $4K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 339 | $6K |
| Other | AETNA LIFE INSURANCE COMPANY | 339 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.