| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2852 REMINGTON GREEN CIRCLE TALLAHASSEE, FL 32308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | — | $34K | 4.13% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2852 REMINGTON GREEN CIRCLE TALLAHASSEE, FL 32308 | HEALTH OPTIONS | $7K | — | $7K | 4.49% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | PO BOX 13566 TALLAHASSEE, FL 32317 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.47% |
| PROVIDENT FINANCIAL LLC3 | 5005 BUTTONWOOD DRIVE PONTE VEDRA BEACH, FL 32082 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.20% |
| US BEN TEC WORKPLACE SOLUTIONS, LLC3 Filed as: US BEN TEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD, BLDG 2 DEERFIELD BEACH, FL 33441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 15.90% |
| PROVIDENT FINANCIAL LLC3 | 5005 BUTTONWOOD DRIVE PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.66% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $978 | $2K | 4.88% |
| ACHIOTE ENTERPRISES INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $749 | $991 | $2K | 3.78% |
| BENEFITLAB INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | $157 | $740 | 1.61% |
| JOHN B HOARD3 | PO BOX 13566 TALLAHASSEE, FL 32317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| JOHN B HOARD3 | PO BOX 13566 TALLAHASSEE, FL 32317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES RD, SUITE 308 BOCA RATON, FL 33431 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 31.50% |
| PROVIDENT FINANCIAL LLC3 | 5005 BUTTONWOOD DRIVE PONTE VEDRA BEACH, FL 32082 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 13.50% |
| JOHN B HOARD3 | PO BOX 13566 TALLAHASSEE, FL 32317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $723 | $723 | 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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $66K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $66K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $986K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 179 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.