| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD C. CORBIN3 | P.O. BOX 66 GRACEVILLE, FL 32440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.13% |
| RONALD C. CORBIN3 | P.O. BOX 66 GRACEVILLE, FL 32440 | USABLE LIFE | $1K | $0 | $1K | 13.10% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $0 | $1K | 11.06% |
| RONALD C. CORBIN3 | P.O. BOX 66 GRACEVILLE, FL 32440 | USABLE LIFE | $1K | $0 | $1K | 13.12% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS JACKSONVILLE, FL 32246 | USABLE LIFE | $990 | $0 | $990 | 11.06% |
| RONALD C. CORBIN3 | P.O. BOX 66 GRACEVILLE, FL 32440 | USABLE LIFE | $337 | $0 | $337 | 13.07% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS JACKSONVILLE, FL 32246 | USABLE LIFE | $285 | $0 | $285 | 11.06% |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $17K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $24K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $24K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.