| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR BONITA SPRINGS, FL 34135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $20K | $58K | 19.73% |
| JUSTIN RYAN3 | 1076 E BRANDON BLVD STE 112 BRANDON, FL 33511 | AFLAC | $5K | $722 | $6K | 10.71% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIRCLE ESTERO, FL 33928 | AFLAC | $2K | $204 | $3K | 4.41% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 34135 | AFLAC | $2K | $0 | $2K | 4.07% |
| MJ INSURANCE3 Filed as: RAIMEY CORPORATION & VARIOUS AGENTS | 12450 BRANTLEY COMMONS CT FT MYERS, FL 33907 | AFLAC | $1K | $128 | $2K | 2.70% |
| CHAD JACOBSEN3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $515 | $61 | $576 | 1.01% |
| JMG BUSINESS PARTNERS LLC3 | 102 S EVERS ST STE 101 PLANT CITY, FL 33563 | AFLAC | $565 | $0 | $565 | 0.99% |
| BRENDA GARRETT3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $372 | $61 | $433 | 0.76% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.20% |
| UNKNOWN3 | UNKNOWN FORT MYERS, FL 33908 | TELEDOC HEALTH, INC. | $2K | — | $2K | 15.00% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $292K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 304 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $292K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $349K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $292K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.