| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 Filed as: CUNDY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 15.63% |
| CARL ANTHONY FLETCHER3 Filed as: CARL A FLETCHER | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 10.92% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 6.88% |
| CARL ANTHONY FLETCHER3 | 315 S BEVERLY DR STE 512 BEVERLY HILLS, CA 90212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.17% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 10.44% |
| CARL ANTHONY FLETCHER3 | 315 S BEVERLY DR STE 512 BEVERLY HILLS, CA 90212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.71% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.47% |
| CARL ANTHONY FLETCHER3 | 315 S BEVERLY DR STE 512 BEVERLY HILLS, CA 90212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.70% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $302 | $2K | 7.05% |
| CARL ANTHONY FLETCHER3 | 315 S BEVERLY DR STE 512 BEVERLY HILLS, CA 90212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.03% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $504 | $3K | 11.18% |
| CARL ANTHONY FLETCHER3 | 315 S BEVERLY DR STE 512 BEVERLY HILLS, CA 90212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $385 | $2K | 10.38% |
| CARL ANTHONY FLETCHER3 | 315 S BEVERLY DR STE 512 BEVERLY HILLS, CA 90212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.84% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 358 | $442K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $138K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $28K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $102K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $91K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.