| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER VAN BUREN3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | BLUE CROSS BLUE SHIELD OF FLORIDA | $84K | $0 | $84K | 5.00% |
| CHRIS VAN BUREN3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | HEALTH OPTIONS, INC. | $31K | — | $31K | 5.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $15K | — | $15K | 22.21% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $6K | — | $6K | 11.05% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $12K | — | $12K | 23.91% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $4K | — | $4K | 11.04% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $3K | — | $3K | 11.20% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | ALLSTATE BENEFITS | $2K | — | $2K | 8.42% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $2K | — | $2K | 8.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $1K | — | $1K | 11.21% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | FLORIDA COMBINED LIFE | $380 | — | $380 | 11.29% |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | 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 | 170 | $2.3M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 156 | $118K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 197 | $19K |
| Life insurance(3 contracts) | FLORIDA COMBINED LIFE | 329 | $39K |
| Short-term disability | FLORIDA COMBINED LIFE | 329 | $41K |
| Long-term disability | FLORIDA COMBINED LIFE | 329 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.