| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHEINGOLD BICK INSURANCE LLC3 Filed as: RHEINGOLD-BICK INSURANCE LLC | 1950 N COMMERCE PKWY STE 1 WESTON, FL 33326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $182K | $80K | $262K | 28.73% |
| RHEINGOLD BICK INSURANCE LLC Filed as: RHEINGOLD-BICK INSURANCE LLC | 1950 NORTH COMMERCE PKWY SUITE 1 WESTON, FL 33326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 9.92% |
| RHEINGOLD BICK INSURANCE LLC | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| RHEINGOLD BICK INSURANCE LLC3 | STE 1 WESTON, FL 33326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| RHEINGOLD BICK INSURANCE LLC | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| RHEINGOLD BICK INSURANCE LLC3 | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| RHEINGOLD BICK INSURANCE LLC3 | 1950 NORTH COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| RHEINGOLD BICK INSURANCE LLC3 | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691 | — | $691 | 10.00% |
| RHEINGOLD BICK INSURANCE LLC3 | 1950 NORTH COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | LIFE INSURANE COMPANY OF NORTH AMERICA | $1K | — | $1K | 20.00% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 419 | $931K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $179K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $179K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 428 | $385K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.