| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOC. INC | 1551 FORUM PLACE STE 300A WEST PALM BEACH, FL 33401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $171K | $184K | 5.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE STE 750 WINTER PARK, FL 327895552 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.00% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOC. INC | 3930 RCA BLVD STE 3008 PALM BEACH GARDENS, FL 33410 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 8.06% |
| ADAMS BENEFIT CORPORATION3 | 301 YAMATO ROAD BOCA RATON, FL 33431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.46% |
| DAVID RICHARD LAUCK3 | 10799 WHARTON WAY PALM BEACH GARDENS, FL 33412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.99% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUNIPER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $618 | $0 | $618 | 1.44% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOC. INC | 1551 FORUM PLACE STE 300A WEST PALM BEACH, FL 33401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.47% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE STE 305 FORT LAUDERDALE, FL 33337 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.22% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.40% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 362 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 362 | $3.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 389 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 352 | $178K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 352 | $178K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 352 | $178K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 352 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
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.