| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AETNA LIFE INSURANCE COMPANY | $15K | $87 | $15K | 6.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $14K | $0 | $14K | 6.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | COMPBENEFITS COMPANY | $16K | $0 | $16K | 9.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | COMPBENEFITS COMPANY | -$1 | $0 | -$1 | -0.00% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER AND OTHER AGENTS | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $5K | $90 | $5K | 3.76% |
| LANCE ACKERMAN3 Filed as: LANCE N. ACKERMAN | 5010 NORTH NINTH STREET TAMPA, FL 33603 | AFLAC | $4K | $144 | $4K | 2.70% |
| JEANNINE MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | AFLAC | $2K | $0 | $2K | 1.43% |
| MARK MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | AFLAC | $2K | $0 | $2K | 1.23% |
| JEFFREY NELSON3 Filed as: JEFFREY C. NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AFLAC | $1K | $39 | $1K | 1.01% |
| SUPERIOR BENEFITS INC3 Filed as: SUPERIOR BENEFITS, INC. | 3705 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33609 | AFLAC | $689 | $0 | $689 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | AFLAC | $616 | $0 | $616 | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 39.61% |
| LANCE ACKERMAN3 Filed as: LANCE N. ACKERMAN | 12346 VILLAGER COURT TAMPA, FL 33625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 24.44% |
| DONALD HUDSON3 Filed as: DONALD HUDSON AND OTHER AGENTS | 3991 SE 22ND AVENUE OCALA, FL 34480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 11.78% |
| JEFFREY NELSON3 Filed as: JEFFREY C. NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.72% |
| BETH L WALTER3 Filed as: BETH L. WALTER | 8375 DIXELLIS TRAIL, SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $964 | $0 | $964 | 8.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | $0 | $341 | 3.01% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | $0 | $332 | 2.94% |
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 | 759 | 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) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 653 | $359K |
| Vision | HUMANA INSURANCE COMPANY | 653 | $200K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 759 | $234K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 759 | $234K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 759 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.