| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 5.62% |
| D J FISHER & ASSOC INC3 Filed as: DJ FISHER AND ASSOCIATES INC. | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $19K | $730 | $19K | 13.26% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A AND M BONURA AND ASSOCIATES INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $1K | $0 | $1K | 0.98% |
| TLW VENTURES LLC3 | 614 EAST HIGHWAY 50 338 CLERMONT, FL 34711 | AFLAC | $1K | $57 | $1K | 0.83% |
| MJ INSURANCE3 Filed as: DANIEL LONG AND VARIOUS AGENTS | 6100 CHEVY CHASE DRIVE, SUITE 102 LAUREL, MD 20707 | AFLAC | $513 | $0 | $513 | 0.35% |
| MJ INSURANCE3 Filed as: TERESA RUCKER AND VARIOUS AGENTS | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $421 | $13 | $434 | 0.30% |
| TERESA A RUCKER3 Filed as: TERESA RUCKER | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $325 | $53 | $378 | 0.26% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $331 | $0 | $331 | 0.23% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVENUE MAITLAND, FL 32701 | AFLAC | $248 | $0 | $248 | 0.17% |
| MFK & ASSOCIATES INC3 Filed as: MFK AND ASSOCIATES INC. | 4505 PINE TREE CIRCLE, SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $205 | $0 | $205 | 0.14% |
| THOMAS BABINGTON3 | 30330 ONO NORTH LOOP WEST ORANGE BEACH, AL 36561 | AFLAC | $203 | $0 | $203 | 0.14% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DRIVE, SUITE 102 LAUREL, MD 20707 | AFLAC | $116 | $0 | $116 | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | UNKNOWN ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 10.07% |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $270K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 337 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $270K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $270K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $270K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.