| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS ADVISORS, INC3 Filed as: EBS ADVISORS INC | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 5.26% |
| EBS ADVISORS, INC3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MAUREEN PENTLAND3 | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.28% |
| EBS ADVISORS, INC3 Filed as: EBS ADVISORS INC | 2805 E OAKLAND PARK BLVD 450 FORT LAUDERDALE, FL 33306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $663 | — | $663 | 9.16% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 121 | $600K |
| Dental | UNION SECURITY INSURANCE COMPANY | 94 | $48K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 86 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.