| 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 | $55K | — | $55K | 5.00% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $6K | $385 | $6K | 10.61% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $385 | — | $385 | 0.63% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 32302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $137 | $137 | 0.43% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.06% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION RD TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.93% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $192 | — | $192 | 1.02% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 32302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $136 | $136 | 0.95% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 32302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50 | $50 | 0.41% |
| FBMC BENEFITS MANAGEMENT INC3 | PO BOX 1878 TALLAHASSEE, FL 323021878 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.97% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $310 | — | $310 | 2.99% |
| U S B HEALTH LLC3 | 4550 HWY 360 SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | $124 | — | $124 | 1.19% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 116 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 100 | $61K |
| Vision | STANDARD INSURANCE COMPANY | 77 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $27K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
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.