| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD R MCCALL II | 1120 20TH PLACE VERO BEACH, FL 32960 | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 4.58% |
| MCALL II, RONALD | 1120 20TH PLACE VERO BEACH, FL 32960 | ANTHEM HEALTH PLANS, INC. | $13K | $0 | $13K | 5.93% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN RD STE 208E MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $6K | — | $6K | 2.96% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. - GA | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $0 | $2K | $2K | 1.01% |
| MCALL II, RONALD3 Filed as: THE MCALL AGENCY INC | 1120 20TH PLACE VERO BEACH, FL 32960 | OXFORD HEALTH INSURANCE, INC | $549 | — | $549 | 0.27% |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY, INC. | 1120 20TH PLACE VERO BEACH, CT 32960 | FOUR EVER LIFE INS. CO. | $12K | $6K | $18K | 12.00% |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY, INC. | 1120 20TH PLACE VERO BEACH, FL 32960 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD STE 208E MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $785 | $28 | $813 | 8.42% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $368 | $0 | $368 | 3.81% |
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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 35 | $581K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 20 | $10K |
| Vision | HM LIFE INSURANCE COMPANY | 1,189 | $53K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,649 | $1.3M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 730 | $600K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,649 | $1.3M |
| Other | AETNA LIFE INSURANCE CO. | 1,649 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,649 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.