| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2852 REMINGTON GREEN CIRCLE TALLAHASSEE, FL 32308 | FLORIDA BLUE | $44K | — | $44K | 13.52% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES DIVISION | 8110 CYPRESS PLAZA DR. SUITE 201 JACKSONVILLE, FL 32256 | FLORIDA BLUE | $5K | — | $5K | 1.48% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC | 2709 KILLARNEY WAY #6 TALLAHASSEE, FL 323093225 | USABLE LIFE | $18K | $1K | $19K | 16.96% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 088302715 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 11.22% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOULTIONS LLC | 5550 GLADES ROAD - SUITE 308 BOCA RATON, FL 33441 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 8.05% |
| PROVIDENT FINANCIAL LLC3 | 5005 BUTTONWOOD DRIVE PONTE VEDRA DRIVE, FL 32082 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 3.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINSITRATOR | Contract Administrator Service code 13 | — | $64K |
| EMPLOYEE BENEFITS CONSULTANT EIN 59-3484703 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | — | $0 |
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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $78K |
| Life insurance | USABLE LIFE | 1,139 | $114K |
| Short-term disability | USABLE LIFE | 1,139 | $114K |
| Long-term disability | USABLE LIFE | 1,139 | $114K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 90 | $328K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 1,139 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.