| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS, DAVID B | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | CIGNA | $62K | $5K | $67K | 18.54% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS, DAVID B | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | DELTA DENTAL OF NORTH CAROLINA | $15K | — | $15K | 17.96% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $21 | $3K | 10.08% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $911 | $17 | $928 | 10.19% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $456 | $7 | $463 | 10.14% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $368 | $7 | $375 | 10.19% |
| ADAMS BENEFIT CORPORATION3 | 301 E YAMATO ROAD STE 1200 BOCA RATON, FL 33431 | CIGNA | $2K | $502 | $2K | 99.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | — | $0 |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 119 | $363K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NORTH CAROLINA | 163 | $108K |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $4K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.