| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 Filed as: CUNDY,INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 5.00% |
| CUNDY, INC.3 Filed as: CUNDY INC. | BOX 24080 FORT LAUDERDALE, FL 33307 | HEALTH OPTIONS INC. | $14K | — | $14K | 5.00% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | FLORIDA COMBINED LIFE | $7K | — | $7K | 9.20% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | USABLE LIFE | $814 | — | $814 | 12.53% |
| CROSS INSURANCE3 Filed as: BLUE CORSS BLUE SHIELD OF FLORIDA | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $80 | — | $80 | 1.23% |
| CUNDY, INC.3 Filed as: CUNDY, INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE COMPANY | $1K | — | $1K | 26.68% |
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 | 205 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $596K |
| Dental | FLORIDA COMBINED LIFE | 147 | $73K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE COMPANY | 241 | $4K |
| Life insurance | USABLE LIFE | 190 | $6K |
| Other | USABLE LIFE | 190 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.