| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | HEALTH OPTIONS | $27K | — | $27K | 4.05% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 4.05% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.41% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | FLORIDA COMBINED LIFE | $2K | — | $2K | 6.35% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 329605362 | FLORIDA COMBINED LIFE | $2K | — | $2K | 9.56% |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $1K | — | $1K | 8.00% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 85 | $1.1M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 81 | $54K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 113 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $37K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $37K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 85 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
No prospect flags tripped on this filing.