| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHEINGOLD BICK INSURANCE LLC3 | 1950 NORTH COMMERCE PKWY WESTON, FL 33326 | AETNA LIFE INSURANCE COMPANY & AFFILIATES | $123K | — | $123K | 2.55% |
| RHEINGOLD BICK INSURANCE LLC3 Filed as: RHEINGOLD BICK INCURANCE LLC | WESTON TOWN CENTER WESTON, FL 33326 | AETNA LIFE INSURANCE COMPANY & AFFILIATES | $110K | — | $110K | 2.29% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 N COMMERCE PKWY STE 1 WESTON, FL 33326 | STARMOUNT LIFE INSURANCE CO | $23K | — | $23K | 9.20% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 NORTH COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 13.79% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 N COMMERCE PKWY STE 1 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.75% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES INC. | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.77% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | UNUM INSURANCE COMPANY | $5K | — | $5K | 18.35% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES, INC | 1950 NORTH COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.44% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES INC. | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.41% |
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 | 713 | 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) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 713 | $5.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 713 | $5.1M |
| Vision | STARMOUNT LIFE INSURANCE CO | 434 | $253K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 713 | $4.9M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 583 | $125K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 30 | $189K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 30 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.