| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & ASSOCIATES INC3 | 7020 PRO PKWY E STE 100 SARASOTA, FL 34240 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 5.00% |
| KITCHNER & ASSOCIATES INC3 | 7020 PRO PKWY E STE 100 SARASOTA, FL 34240 | HEALTH OPTIONS, INC | $19K | — | $19K | 5.00% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PARKWAY E SUITE 100 SARASOTA, FL 34240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.71% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 9432 BAYMEADOWS ROAD SUITE 260 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 4.29% |
| REBECCA A MCQUILLEN3 | 1108 67TH STREET CT E BRADENTON, FL 34208 | AFLAC | $366 | — | $366 | 2.94% |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PARKWAY STE 100 SARASOTA, FL 34240 | AFLAC | $355 | — | $355 | 2.85% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $176 | — | $176 | 1.41% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $147 | — | $147 | 1.18% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $136 | — | $136 | 1.09% |
| SHERI CROOK INC3 Filed as: SHERI CROOK | 2151 COOK LN ALVA, FL 33920 | AFLAC | $126 | — | $126 | 1.01% |
| RENA L HELM3 | 6115 13TH AVE E BRADENTON, FL 34208 | AFLAC | $115 | — | $115 | 0.92% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $79 | — | $79 | 0.63% |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | $27 | — | $27 | 0.22% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $12 | — | $12 | 0.10% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $11 | — | $11 | 0.09% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $11 | — | $11 | 0.09% |
| FRANCIS V CRUZ3 | 150 MAPLE DR WEXFORD, PA 15090 | AFLAC | $4 | — | $4 | 0.03% |
| 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% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $1 | — | $1 | 0.01% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | 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 | 58 | $946K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $178K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $178K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $178K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $178K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $178K |
| Prescription drug | HEALTH OPTIONS, INC | 57 | $374K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $762K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.