| 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 | $30K | — | $30K | 5.34% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2852 REMINGTON GREEN CIRCLE TALLAHASSEE, FL 32308 | HEALTH OPTIONS | $5K | — | $5K | 5.44% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | PO BOX 13566 TALLAHASSEE, FL 32317 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.35% |
| PROVIDENT FINANCIAL LLC3 | 5005 BUTTONWOOD DRIVE PONTE VEDRA BEACH, FL 32082 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| 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 | — | $2K | $2K | 7.42% |
| 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 | — | $2K | $2K | 7.40% |
| 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 | — | $1K | $1K | 7.47% |
| 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 | — | $989 | $989 | 7.45% |
| 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 | $6K | — | $6K | — |
| PROVIDENT FINANCIAL LLC3 | 5005 BUTTONWOOD DRIVE PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $525 | $2K | — |
| ACHIOTE ENTERPRISES INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | $872 | $1K | — |
| BENEFITLAB INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | $216 | $671 | — |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $29K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $57K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $57K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $29K |
| Prescription drug | HEALTH OPTIONS | 22 | $97K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 137 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.