| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $988 | $0 | $988 | 11.18% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | 3101 SESSIONS ROAD SUITE 200 TALLAHASSEE, FL 32303 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | PO BOX 1878 TALLAHASSEE, FL 32302 | HARTFORD FIRE INSURANCE COMPANY | $112 | $0 | $112 | 14.93% |
| FBMC BENEFITS MANAGEMENT INC3 Filed as: FBMC BENEFITS MANAGEMENT, INC. | 3101 SESSIONS ROAD SUITE 200 TALLAHASSEE, FL 32303 | STANDARD INSURANCE COMPANY | $110 | $0 | $110 | 73.83% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $22K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $22K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $9K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $23K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $22K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.