| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | HEALTH OPTIONS | $16K | — | $16K | 5.09% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 5.06% |
| MAUREEN PENTLAND3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.00% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $783 | $128 | $911 | 11.63% |
| ECUNDY INSURANCE AGENCY3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $886 | $90 | $976 | 22.03% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $874 | $87 | $961 | 21.98% |
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) | HEALTH OPTIONS | 45 | $312K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 52 | $31K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 52 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.