| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT CLEMONS3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | CAPITAL HEALTH PLAN | — | — | $0 | 0.00% |
| SCOTT CLEMONS3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | CAPITAL HEALTH PLAN | — | — | $0 | 0.00% |
| THE CLEMONS COMPANY3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $0 | $0 | $0 | 0.00% |
| THE CLEMONS COMPANY3 Filed as: THE CLEMONS COMPANY INC | 560 HARRSION AVE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| THE CLEMONS COMPANY3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | ADVANTICA REINSURANCE COMPANY | — | — | $0 | 0.00% |
| THE CLEMONS COMPANY3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | ADVANTICA REINSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 106 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Vision | ADVANTICA REINSURANCE COMPANY | 0 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.