| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ADAMS3 Filed as: DAVID B. ADAMS III | 301 EAST YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | ANTHEM BLUE CROSS | $17K | $0 | $17K | 3.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS | $0 | $11K | $11K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM BLUE CROSS | $4K | $0 | $4K | 0.75% |
| ADAMS BENEFIT CORPORATION3 | 301 EAST YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $429 | $4K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.56% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD BERNSTEIN AND ASSOCIATES | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $176 | $0 | $176 | 0.42% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $417 | $0 | $417 | 5.96% |
| DAVID ADAMS3 | 301 EAST YAMATO ROAD, SUITE 1200 BOCA RATON, FL 33431 | VISION SERVICE PLAN | $257 | $0 | $257 | 3.67% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S. BERNSTEIN AND ASSOCIATES | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | VISION SERVICE PLAN | $257 | $0 | $257 | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | VISION SERVICE PLAN | $160 | $0 | $160 | 2.29% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $31 | $0 | $31 | 0.44% |
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 | 1,625 | 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) | 1,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 1,625 | $503K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $42K |
| Vision | VISION SERVICE PLAN | 42 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $42K |
| Prescription drug | ANTHEM BLUE CROSS | 1,625 | $503K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.