| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS PLANNING CONCEPTS3 | 10739 DEERWOOD PARK BLVD SUITE 200B JACKSONVILLE, FL 32256 | BLUECROSS BLUESHIELD OF TEXAS | $19K | $828 | $19K | 3.49% |
| BUSINESS PLANNING CONCEPTS3 Filed as: BUSINESS PLANNING CONCEPTS, INC. | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 14.64% |
| BUSINESS PLANNING CONCEPTS3 | 10739 DEERWOOD PARK BLVD SUITE 200B JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $425 | $2K | 22.26% |
| BUSINESS PLANNING CONCEPTS3 Filed as: BUSINESS PLANNING CONCEPTS INC. | PO BOX 17639 JACKSONVILLE, FL 32245 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $889 | — | $889 | 15.00% |
| RICK R. CLARY3 Filed as: RICK CLARY | 4519 SOUTH OCEAN BLVD. HIGHLAND BEACH, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $237 | — | $237 | 4.00% |
| EMILY ALLCORN3 | 232 SOUTH DEERFOOT CIRCLE WOODLANDS, TX 77380 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $237 | — | $237 | 4.00% |
| ACCURISK SOLUTIONS, LLC3 Filed as: ACCURISK SOLUTIONS LLC | PO BOX 638 MARSHFIELD, MA 02050 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $59 | — | $59 | 1.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 113 | $556K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 113 | $556K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 119 | $54K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 119 | $54K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $54K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $54K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 119 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.