| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 1101 NORTH LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 4.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 0.83% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 2221 LEE ROAD, SUITE 18 WINTER PARK, FL 32789 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 1101 NORTH LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | USABLE LIFE | $3K | $371 | $3K | 13.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | USABLE LIFE | $214 | $0 | $214 | 0.93% |
| MARNI WARD LLC3 Filed as: MARNI WARD, LLC | 1102 ALMOND TREE CIRCLE ORLANDO, FL 32835 | AFLAC | $2K | $0 | $2K | 24.86% |
| JASMINE DORITY3 | 221 ASTERBROOKE DRIVE DELAND, FL 32724 | AFLAC | $576 | $0 | $576 | 7.98% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. & PAYROLL RESOURCE GROUP | 2221 LEE ROAD, SUITE 18 WINTER PARK, FL 32789 | AFLAC | $519 | $0 | $519 | 7.19% |
| RUBEN ROSA3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | AFLAC | $372 | $0 | $372 | 5.15% |
| SHERIDAN TAYLOR WILSON & OTHERS3 | 3101 DAKOTA DRIVE NORTHLAKE, TX 76226 | AFLAC | $48 | $0 | $48 | 0.66% |
| SHIRLEE HEARD3 | 1717 NORFOLK AVENUE, APARTMENT 3302 LUBBOCK, TX 79416 | AFLAC | $21 | $0 | $21 | 0.29% |
| ARTHUR CHAVEZ3 | 4405 58TH STREET LUBBOCK, TX 79414 | AFLAC | $18 | $0 | $18 | 0.25% |
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 | 84 | 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) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $683K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $60K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $60K |
| Life insurance | USABLE LIFE | 84 | $23K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $683K |
| Other | AFLAC | 12 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.