| 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 | $276K | $11K | $286K | 5.06% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 N COMMERCE PKWY STE 1 WESTON, FL 33326 | STARMOUNT LIFE INSURANCE CO | $26K | — | $26K | 10.85% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 N COMMERCE PKWY STE 1 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.29% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 NORTH COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 49.39% |
| MARC RHEINGOLD & ASSOCIATES INC3 | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | UNUM INSURANCE COMPANY | $5K | — | $5K | 21.65% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES, INC | 1950 NORTH COMMERCE PARKWAY SUITE 1 WESTON, FL 33326 | UNUM INSURANCE COMPANY | $4K | — | $4K | 21.51% |
| MARC RHEINGOLD & ASSOCIATES INC3 Filed as: MARC RHEINGOLD & ASSOCIATES INC. | 1950 NORTH COMMERCE PARKWAY STE 1 WESTON, FL 33326 | UNUM INSURANCE COMPANY | $4K | — | $4K | 21.60% |
| 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 | $8K | — | $8K | — |
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 | 754 | 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) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 754 | $5.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 754 | $5.9M |
| Vision | STARMOUNT LIFE INSURANCE CO | 470 | $237K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY & AFFILIATES | 754 | $5.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 119 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 628 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 35 | $221K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 198 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.