| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 8.87% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 9.90% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY | $3K | $254 | $4K | 10.75% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $164 | — | $164 | 9.99% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $144 | — | $144 | 9.98% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $75 | — | $75 | 10.05% |
| CUNDY, INC.3 Filed as: CUNDY, INCL | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $60 | — | $60 | 10.05% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $46 | — | $46 | 9.91% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $20 | — | $20 | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 SERVICE PROVIDER | Contract Administrator Service code 13 | 900 COTTAGE GROVE ROAD BLOOMFIELD, FL 06152 | $45K |
| CUNDY, INC. EIN 59-1089031 INSURANCE AGENTS AND BRO | Insurance agents and brokers Service code 22 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | $43K |
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 | 141 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $481K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 130 | $88K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 130 | $88K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 128 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 128 | $34K |
| Other | UNUM LIFE INSURANCE COMPANY | 128 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.