| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | 2852 REMINGTON GREEN CIRCLE TALLAHASSEE, FL 323093225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 5.00% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD TALLAHASSEE, FL 32303 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 5.00% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.38% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $526 | — | $526 | 0.87% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 323021878 | STANDARD INSURANCE COMPANY | $484 | — | $484 | 0.80% |
| JOHN B HOARD3 Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.78% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.59% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 32302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $354 | — | $354 | 1.22% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 19.99% |
| U S B HEALTH LLC | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $293 | — | $293 | 2.00% |
| JOHN B HOARD3 Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.85% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $653 | $653 | 4.61% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 32302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $164 | — | $164 | 1.16% |
| JOHN B HOARD Filed as: JOHN B. HOARD | P.O. BOX 13566 TALLAHASSEE, FL 32317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.94% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $454 | $454 | 4.65% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 32302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103 | — | $103 | 1.05% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | P.O. BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $767 | — | $767 | 8.33% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $253 | — | $253 | 2.75% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $182 | — | $182 | 1.98% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 323021878 | STANDARD INSURANCE COMPANY | $77 | — | $77 | 0.84% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $897K |
| Dental | STANDARD INSURANCE COMPANY | 95 | $60K |
| Vision | STANDARD INSURANCE COMPANY | 70 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $14K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $29K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.