| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE NAVE BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | BLUE CROSS OF CALIFORNIA | $69K | $0 | $69K | 3.83% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | BLUE CROSS OF CALIFORNIA | $14K | $0 | $14K | 0.78% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | $0 | $27K | 4.15% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 0.76% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 11.84% |
| CUNDY, INC.3 | 333 EAST LAS OLAS BOULEVARD SUITE 200 FORT LAUDERDALE, FL 33301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $694 | $0 | $694 | 1.17% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $17 | $2K | 4.19% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | $14 | $614 | 1.64% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE, APARTMENT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $0 | $315 | 0.84% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $6 | $100 | 0.27% |
| WE ARE MONDAY PEOPLE INC3 Filed as: WE ARE MONDAY PEOPLE, INC. | 13652 GLOSGOW LANE DELRAY BEACH, FL 33446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $10 | $95 | 0.25% |
| BENEFITLAB INC3 Filed as: BENEFITLAB, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $1 | $94 | 0.25% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 279 | $2.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 279 | $1.8M |
| Vision | BLUE CROSS OF CALIFORNIA | 279 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $97K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 12 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $59K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 279 | $2.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 279 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.