| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST PETERSBURG, FL 337013699 | HUMANA MEDICAL PLAN, INC. | $7K | — | $7K | 5.17% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC. | PO BOX 195579 WINTER SPRINGS, FL 327195579 | HUMANA MEDICAL PLAN, INC. | $0 | — | $0 | 0.00% |
| D J FISHER & ASSOC INC3 Filed as: DJ FISHER & ASSOCIATES | 4117 FAIRVIEW VISTA PT APT 202 ORLANDO, FL 32804 | AFLAC | $1K | — | $1K | 9.83% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | AFLAC | $616 | — | $616 | 5.36% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $158 | — | $158 | 1.37% |
| AMINA PENASA3 | 11521 SOLAYA WAY UNIT 201 ORLANDO, FL 32821 | AFLAC | $39 | — | $39 | 0.34% |
| SHAZAM BENEFITS INC3 | 804 E WINDWARD WAY APT 511 LANTANA, FL 33462 | AFLAC | $5 | — | $5 | 0.04% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $2 | — | $2 | 0.02% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $1 | — | $1 | 0.01% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A&M BONURA & ASSOCIATES INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $1 | — | $1 | 0.01% |
| DARALD LACROSS3 | PO BOX 578 RUSKIN, FL 33570 | AFLAC | $1 | — | $1 | 0.01% |
| W WADE BOTKIN III3 | 307 45TH ST W BRADENTON, FL 34209 | AFLAC | $1 | — | $1 | 0.01% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $1 | — | $1 | 0.01% |
| J W GRIMES INC3 Filed as: JW GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $0 | — | $0 | 0.00% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $0 | — | $0 | 0.00% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $0 | — | $0 | 0.00% |
| RUBICON REGION LLC3 | 360 W HUBBARD ST APT 2008 CHICAGO, IL 60654 | AFLAC | $0 | — | $0 | 0.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $735 | — | $735 | 10.01% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST PETERSBURG, FL 337013699 | HUMANA INSURANCE COMPANY | $173 | — | $173 | 15.57% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC. | PO BOX 195579 WINTER SPRINGS, FL 327195579 | HUMANA INSURANCE COMPANY | $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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 215 | $128K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $8K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $8K |
| Life insurance | HUMANA INSURANCE COMPANY | 116 | $1K |
| Other(2 contracts, 2 carriers) | AFLAC | 168 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.