| 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 | $86K | — | $86K | 5.00% |
| CUNDY, INC.3 Filed as: CUNDY INC. | BOX 24080 FORT LAUDERDALE, FL 33307 | HEALTH OPTIONS INC. | $21K | — | $21K | 5.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAL PUBLIC LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAL PUBLIC LIFE INSURANCE COMPANY | $12K | — | $12K | 7.93% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | AMERICAL PUBLIC LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28K | — | $28K | 34.85% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$9 | — | -$9 | -0.01% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | FLORIDA COMBINED LIFE | $20K | — | $20K | 26.42% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $467 | $12K | 19.44% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $467 | $12K | 19.44% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $405 | $11K | 23.20% |
| CUNDY, INC.3 Filed as: CUNDY, INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.21% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | USABLE LIFE | $3K | — | $3K | 12.03% |
| CROSS INSURANCE3 Filed as: BLUE CORSS BLUE SHIELD OF FLORIDA | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $802 | $87 | $889 | 3.62% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 215 | $1.7M |
| Dental | FLORIDA COMBINED LIFE | 93 | $75K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE COMPANY | 1,042 | $38K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 489 | $73K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $120K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $120K |
| Other(4 contracts, 4 carriers) | AMERICAL PUBLIC LIFE INSURANCE COMPANY | 489 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.