| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE #305 FT. LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $418K | $0 | $418K | 48.51% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 11.00% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | TRUSTMARK INSURANCE COMPANY | $18K | $0 | $18K | 9.43% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 3.46% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | TRUSTMARK INSURANCE COMPANY | -$254 | $0 | -$254 | -0.14% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 11.00% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR, STE 305 FORT LAUDERDALE, FL 33334 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
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 | 6,044 | 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) | 6,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,463 | $861K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5,495 | $161K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,113 | $218K |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,125 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.