| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 334116735 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | — | $53K | 12.74% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON & SANDS, INC. | 3050 N FEDERAL HWY LIGHTHOUSE POINT, FL 33064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.20% |
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.45% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON & SANDS, INC. | 3050 N FEDERAL HWY LIGHTHOUSE POINT, FL 33064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 2.45% |
| AMERICAN INS PLUS LLC3 | 8143 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.45% |
| INSURANCE OFFICE OF AMERICA3 | P O BOX 162207 ALTAMONTE SPRINGS, FL 32716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.66% |
| INSURANCE INVESTMENTS & MORE, INC.3 Filed as: INSURANCE, INVESTMENTS & MORE | 814 LANTANA ROAD SUITE 5 LANTANA, FL 33462 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $360 | — | $360 | 0.80% |
| VIVIAN PLETZKE3 | 9822 FOREST RUN LANE CHARLOTTE, NC 28277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | — | $223 | 0.49% |
| KENSY ARGUETA3 | 6231 CORAL LAKE DR MIAMI, FL 33155 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 0.30% |
| BASIC BUSINESS SOLUTIONS CORP3 | 1193 SE PORT ST LUCIE BLVD STE 101 PORT ST LUCIE, FL 34952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.21% |
| KARL GRANT3 | 2266 SW IMPORT DR PORT ST. LUCIE, FL 34953 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.18% |
| GAVIN WILLIAMS3 | 8130 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.07% |
| MONICA SANTANA3 | 310 CRESTWOOD CIR APT 207 ROYAL PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE ISNURANCE COMPANY | $656 | $15 | $671 | 11.39% |
| BATEMAN GORDON & SANDS3 Filed as: BATEMAN GORDON & SANDS, INC. | 3050 N FEDERAL HWY LIGHTHOUSE POINT, FL 33064 | UNITED OF OMAHA LIFE ISNURANCE COMPANY | $227 | — | $227 | 3.85% |
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 | 154 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $416K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 93 | $82K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 93 | $82K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 154 | $51K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 20 | $45K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $416K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 154 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.