| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 Filed as: CUNDY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $130K | $0 | $130K | 23.71% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 2.92% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 9.82% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 12.51% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 4.24% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.00% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.88% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 30.71% |
| ACHIOTE ENTERPRISES INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 19.09% |
| GUSTAVO LIMA FELIPE3 | 13652 GLOSGOW LANE DELRAY BEACH, FL 33446 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $723 | $2K | 9.05% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $350 | $855 | $1K | 4.44% |
| BENEFITLAB INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $243 | $524 | 1.93% |
| JAMES R MCCOMB3 | 1063 COATESDALE RD COLUMBIA, SC 29209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $20 | $504 | 1.86% |
| MARY-JOYCE LICATA3 Filed as: MARY-JOUCE LICATA | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $38 | $160 | 0.59% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $30 | $54 | 0.20% |
| BENEFITS AT WORK LLC3 | 132 SANIBEL CIRCLE COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $5 | $44 | 0.16% |
| JESSICA P PATRAW3 | 5306 MACCAUGHEY DR NORTH PORT, FL 34287 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.05% |
| JUSTIN M REYNOLDS3 | 11905 PERSIAN TERRACE BRADENTON, FL 34212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE | $2K | $0 | $2K | 9.33% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 25.56% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.44% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 23.57% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE | $1K | $0 | $1K | 10.88% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 29.18% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | $0 | $480 | 16.15% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE | $308 | $0 | $308 | 11.14% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE | $275 | $0 | $275 | 10.18% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | EYEMED VISION CARE | $217 | $0 | $217 | 9.43% |
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 648 | $1.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 648 | $203K |
| Vision(5 contracts) | EYEMED VISION CARE | 228 | $39K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $197K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $197K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $170K |
| Other(8 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.