| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 12.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SVC LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 4.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CERTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $2K | — | $2K | 5.00% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 NW 12TH AVE DEERFIELD BEACH, FL 33442 | GUARDIAN | $2K | — | $2K | 4.94% |
| PATRICK SREENAN3 | 310 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | GUARDIAN | $770 | — | $770 | 1.80% |
| NPC FINANCIAL INC.3 Filed as: NPC FINANCIAL INC | 4000 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | GUARDIAN | $58 | — | $58 | 0.14% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $858 | — | $858 | 11.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEE | Float revenue; Claims processing; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $8K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $285K |
| Dental | GUARDIAN | 88 | $43K |
| Vision | GUARDIAN | 88 | $43K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $17K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.