| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 3.85% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | HEALTH OPTIONS | $32K | — | $32K | 4.00% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | FLORIDA COMBINED LIFE | $3K | — | $3K | 4.51% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.12% |
| UNITED BENEFIT ADVISOR OF FLORIDA3 | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $990 | — | $990 | 1.52% |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 329605362 | FLORIDA COMBINED LIFE | $2K | — | $2K | 8.67% |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $2K | — | $2K | 8.68% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | 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 | 102 | $1.7M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 121 | $87K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 163 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 299 | $65K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 299 | $65K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 299 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.