| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY, INC | 3131 LONNBLADH RD TALLAHASSEE, FL 323084255 | BLUE CROSS BLUE SHIELD OF FLORIDA | $46K | — | $46K | 6.00% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY, INC | 3131 LONNBLADH RD TALLAHASSEE, FL 323084255 | HEALTH OPTIONS, INC. | $9K | — | $9K | 6.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 560 HARRISON AVENUE PANAMA CITY, PA 34201 | GUARDIAN | $6K | $2K | $9K | 12.35% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $3K | $203 | $3K | 4.54% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | 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 | 50 | $907K |
| Dental | GUARDIAN | 104 | $70K |
| Vision | GUARDIAN | 104 | $70K |
| Life insurance | GUARDIAN | 104 | $70K |
| Short-term disability | GUARDIAN | 104 | $70K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 50 | $907K |
| Other | GUARDIAN | 104 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.