| 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 | $49K | — | $49K | 5.26% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.86% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 5.36% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | HUMANA MEDICAL PLAN | $1K | — | $1K | 5.10% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | COMPBENEFITS COMPANY | $1K | — | $1K | 5.21% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | HUMANA INSURANCE COMPANY | $915 | — | $915 | 10.63% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | — | $521 | 10.29% |
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 | 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)(2 contracts) | HUMANA MEDICAL PLAN | 146 | $955K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 96 | $54K |
| Vision | HUMANA INSURANCE COMPANY | 99 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $60K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.