| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY SUITE 100 SARASOTA, FL 34240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 4.81% |
| KITCHNER & ASSOCIATES INC3 Filed as: KITCHNER & ASSOCIATES INC. | 7020 PROFESSIONAL PKWY STE 100 LAKEWOOD RANCH, FL 34240 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $10K | $27K | 24.05% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PARKWAY E SUITE 100 SARASOTA, FL 34240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.47% |
| REBECCA A MCQUILLEN3 | 1108 67TH STREET CT E BRADENTON, FL 34208 | AFLAC | $287 | — | $287 | 2.74% |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PARKWAY STE 100 SARASOTA, FL 34240 | AFLAC | $237 | — | $237 | 2.26% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $140 | — | $140 | 1.33% |
| RANDALL BARTLEIN3 Filed as: RANDALL J BARTLEIN | 2831 RINGLING BLVD STE B203 SARASOTA, FL 34237 | AFLAC | $135 | — | $135 | 1.29% |
| RENA L HELM3 | 6115 13TH AVE E BRADENTON, FL 34208 | AFLAC | $72 | — | $72 | 0.69% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $56 | — | $56 | 0.53% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $54 | — | $54 | 0.51% |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | $40 | — | $40 | 0.38% |
| SHERI CROOK INC3 Filed as: SHERI CROOK | 2151 COOK LN ALVA, FL 33920 | AFLAC | $27 | — | $27 | 0.26% |
| NICOLE LYNN RIHANEK3 | 5535 NIGHT OWL TER PALMETTO, FL 34221 | AFLAC | $19 | — | $19 | 0.18% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $9 | — | $9 | 0.09% |
| FRANCIS V CRUZ3 | PO BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $4 | — | $4 | 0.04% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $4 | — | $4 | 0.04% |
| JEFFREY GLENN YARISH3 | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $3 | — | $3 | 0.03% |
| SHERI CROOK INC3 Filed as: SHERI CROOK | 2151 COOK LN ALVA, FL 33920 | AFLAC | $3 | — | $3 | 0.03% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $1 | — | $1 | 0.01% |
| HORACE R WEAVER III3 | 2512 GARDEN ST MERAUX, LA 70075 | 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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $88K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $88K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $191K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $202K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $191K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.