| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD R MCCALL II3 | 1120 20TH PLACE VERO BEACH, FL 32960 | AETNA LIFE INSURANCE COMPANY | $31K | $4K | $35K | 5.06% |
| RONALD E KIRKLAND3 Filed as: RONALD MCCALL II | — | ANTHEM HEALTH PLANS, INC. | $8K | — | $8K | 5.38% |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY, INC | — | FOUR EVER LIFE INS CO. | $9K | $4K | $13K | 12.00% |
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 | 1,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 15 | $107K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,539 | $699K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,539 | $699K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,539 | $699K |
| Other | AETNA LIFE INSURANCE COMPANY | 1,539 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,539 | — |
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.