| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD TALLAHASSEE, FL 32303 | BLUE CROSS BLUE SHIELD OF FLORIDA | $52K | — | $52K | 3.92% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.90% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.28% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $733 | — | $733 | 1.11% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.75% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 323021878 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.58% |
| STEALTH PARTNER GROUP LLC | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.75% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.10% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 323021878 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.58% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $502 | — | $502 | 1.52% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.76% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.24% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $660 | — | $660 | 3.49% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $200 | — | $200 | 1.06% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $150 | — | $150 | 0.79% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.61% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD, SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $726 | — | $726 | 4.97% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 323021878 | STANDARD INSURANCE COMPANY | — | $662 | $662 | 4.54% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $593 | — | $593 | 4.06% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.74% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $372 | — | $372 | 2.92% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $292 | — | $292 | 2.29% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $279 | — | $279 | 2.19% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 135 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 118 | $66K |
| Vision | STANDARD INSURANCE COMPANY | 102 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $33K |
| Short-term disability | STANDARD INSURANCE COMPANY | 40 | $15K |
| Long-term disability | STANDARD INSURANCE COMPANY | 174 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.