| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLEMONS COMPANY3 | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $0 | $0 | $0 | 0.00% |
| SCOTT CLEMONS3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | CAPITAL HEALTH PLAN | $0 | $0 | $0 | 0.00% |
| THE CLEMONS COMPANY3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | ADVANTICA REINSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| THE CLEMONS COMPANY3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | ADVANTICA REINSURANCE COMPANY | — | — | $0 | 0.00% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS | 560 HARRSION AVE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | — |
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 | 339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 86 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $0 |
| Vision | ADVANTICA REINSURANCE COMPANY | 179 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $0 |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $0 |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.