| 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 | $277K | $37K | $314K | 31.39% |
| DAVID ADAMS3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | COMBINED INSURANCE | $106K | $45K | $151K | 25.66% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $5K | $41K | 12.54% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.21% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DR, STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 13.31% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IA 60047 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 1.94% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 1.64% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | TRUSTMARK INSURANCE COMPANY | $190 | $0 | $190 | 0.21% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE SUITE 305 FORT LAUDERDALE, FL 33334 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $413 | $4K | 17.01% |
| ADAMS BENEFIT CORPORATION3 | 600 CORPORATE DRIVE, STE 305 FORT LAUDERDALE, FL 33334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $312 | $0 | $312 | 11.00% |
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 | 5,918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,082 | $1.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,333 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5 | $3K |
| Other(8 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,190 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,190 | — |
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.