| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 0.69% |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 8.33% |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.24% |
| DONLEY AND DAVIS INS GRP INC3 Filed as: DONLEY AND DAVIS INSURANCE GRP INC | P.O. BOX 1451 WINTER HAVEN, FL 33882 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| DONLEY AND DAVIS INS GRP INC3 Filed as: DONLEY AND DAVIS INSURANCE GRP INC | P.O. BOX 1451 WINTER HAVEN, FL 33882 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | — | $422 | 7.49% |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $717 | — | $717 | 13.66% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 122 | $2.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $92K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $92K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $6K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.