| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JLB ENTERPRISES INC3 Filed as: JLB ENTERPRISES INC DBA SLATON INS | PO BOX 220537 WEST PALM BEACH, FL 33422 | AETNA HEALTH INC. | $34K | — | $34K | 4.05% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS STE 250 ALISO VIEJO, CA 92656 | AETNA HEALTH INC. | $18K | — | $18K | 2.18% |
| EXCELSIOR BENEFITS LLC3 | 4901 NW 17TH WAY STE 301 FT LAUDERDALE, FL 33309 | AETNA HEALTH INC. | $9K | — | $9K | 1.04% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: JLB ENTERPRISES DBA SLATON INSURANC | PO BOX 220537 WEST PALM BEACH, FL 33422 | AETNA LIFE INSURANCE CO | $16K | — | $16K | 4.41% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS STE 250 ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO | $7K | — | $7K | 2.07% |
| EXCELSIOR BENEFITS LLC3 | 4901 NW 17TH WAY STE 301 FT LAUDERDALE, FL 33309 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 1.08% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY STE 200 WEST PALM BEACH, FL 33407 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 4.39% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPB | 2056 VISTA PKWY 350 WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.95% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY #200 WEST PALM BEACH, FL 33407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.03% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY STE 200 WEST PALM BEACH, FL 33407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.07% |
| JLB ENTERPRISES INC3 | 5713 CORPORATE WAY 200 WEST PALM BEACH, FL 33407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $854 | — | $854 | 3.93% |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 67 | $360K |
| Dental | HUMANA INSURANCE COMPANY | 228 | $89K |
| Vision | HUMANA INSURANCE COMPANY | 228 | $89K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 228 | $110K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $41K |
| Other | HUMANA INSURANCE COMPANY | 228 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.