| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | BLUE CROSS BLUE SHIELD OF FLORIDA | $78K | $0 | $78K | 5.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85225 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 5.70% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | 3101 SESSIONS ROAD, SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 5.41% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 5.08% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | 3101 SESSION ROAD, SUITE 200 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 4.76% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | PO BOX 1878 TALLAHASSEE, FL 32302 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.13% |
| EMPLOYEE BENEFITS CONSULTANTS3 | PO BOX 13566 TALLAHASSEE, FL 32317 | STANDARD INSURANCE COMPANY | $968 | $0 | $968 | 0.77% |
| NAVA BENEFITS3 | 228 PARK AVE SOUTH, PMB 97880 NEW YORK, NY 10003 | STANDARD INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 HIGHWAY 360, SUITE 190 GRAPEVINE, TX 76034 | STANDARD INSURANCE COMPANY | -$10K | $0 | -$10K | -8.15% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 6.25% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | 3101 SESSION ROAD TALLAHASSEE, FL 32303 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 5.55% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | $372 | $3K | 5.26% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 135 | $1.6M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 189 | $177K |
| Vision | STANDARD INSURANCE COMPANY | 189 | $126K |
| Life insurance | STANDARD INSURANCE COMPANY | 189 | $126K |
| Short-term disability | STANDARD INSURANCE COMPANY | 189 | $126K |
| Long-term disability | STANDARD INSURANCE COMPANY | 189 | $126K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 135 | $1.6M |
| Other | STANDARD INSURANCE COMPANY | 189 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.