| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & PIERRO & COMPANY3 | 7020 PRO PKWY E STE 100 BRADENTON, FL 34207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | — | $38K | 5.00% |
| KITCHNER & PIERRO & COMPANY3 | 7020 PRO PKWY E STE 100 BRADENTON, FL 34207 | HEALTH OPTIONS | $18K | — | $18K | 5.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $9K | $24K | 12.46% |
| REBECCA A MCQUILLEN3 | 1108 67TH STREET CT E BRADENTON, FL 34208 | AFLAC | $387 | — | $387 | 2.92% |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PARKWAY STE 100 SARASOTA, FL 34240 | AFLAC | $346 | — | $346 | 2.62% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $186 | — | $186 | 1.41% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $117 | $7 | $124 | 0.94% |
| RENA L HELM3 | 6115 13TH AVE E BRADENTON, FL 34208 | AFLAC | $123 | — | $123 | 0.93% |
| JOAN A FARNHAM3 | 5138 39TH ST W BRADENTON, FL 34210 | AFLAC | $88 | — | $88 | 0.67% |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | $39 | $33 | $72 | 0.54% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $63 | — | $63 | 0.48% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $50 | — | $50 | 0.38% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $36 | — | $36 | 0.27% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $15 | $7 | $22 | 0.17% |
| V V BENEFIT SOLUTIONS INC3 | 15704 75TH LN N LOXAHATCHEE, FL 33470 | AFLAC | $21 | — | $21 | 0.16% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $13 | — | $13 | 0.10% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $12 | — | $12 | 0.09% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $12 | — | $12 | 0.09% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $6 | — | $6 | 0.05% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $4 | — | $4 | 0.03% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $3 | — | $3 | 0.02% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $3 | — | $3 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.0 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.02% |
| FRANCIS V CRUZ3 | 150 MAPLE DR WEXFORD, PA 15090 | AFLAC | $1 | — | $1 | 0.01% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $0 | — | $0 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $0 | — | $0 | 0.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 61 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $192K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $192K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $192K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $192K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $192K |
| Prescription drug | HEALTH OPTIONS | 50 | $357K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 149 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.