| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | 2709 KILLARNEY WAY #6 TALLAHASSEE, FL 32309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | — | $40K | 5.00% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | P.O. BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.74% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.92% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $338 | — | $338 | 0.66% |
| JOHN B HOARD3 Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | P.O. BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 20.06% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $205 | — | $205 | 1.54% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | P.O. BOX 13566 TALLAHASSEE, FL 32309 | STANDARD INSURANCE COMPANY | $917 | — | $917 | 9.99% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $275 | — | $275 | 3.00% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $113 | — | $113 | 1.23% |
| JOHN B HOARD3 Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $457 | $457 | 5.00% |
| JOHN B HOARD3 Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $444 | $444 | 5.00% |
| JOHN B HOARD3 Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $438 | $438 | 5.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $806K |
| Dental | STANDARD INSURANCE COMPANY | 94 | $51K |
| Vision | STANDARD INSURANCE COMPANY | 78 | $9K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $18K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $9K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $23K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
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.