| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | HUMANA MEDICAL PLAN | $25K | $254 | $26K | 5.06% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.60% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.03% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | COMPBENEFITS | $443 | — | $443 | 5.00% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $621 | — | $621 | 10.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN | 101 | $508K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 66 | $34K |
| Vision | HUMANA INSURANCE COMPANY | 66 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $47K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.