| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | DOUG FORMAN/ UBA OF FL 2211 LEE RD STE 100 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 4.00% |
| D J FISHER & ASSOC INC3 Filed as: DJ FISHER & ASSOCIATES | 4117 FAIRVIEW VISTA PT APT 202 ORLANDO, FL 32804 | AFLAC | $21K | $813 | $22K | 12.56% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | AFLAC | $11K | — | $11K | 6.47% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $3K | $190 | $3K | 1.74% |
| AMINA PENASA3 | 11521 SOLAYA WAY UNIT 201 ORLANDO, FL 32821 | AFLAC | $166 | $23 | $189 | 0.11% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DR ORLANDO, FL 31817 | AFLAC | $25 | $60 | $85 | 0.05% |
| SHAZAM BENEFITS INC3 | 804 E WINDWARD WAY APT 511 LANTANA, FL 33462 | AFLAC | $56 | — | $56 | 0.03% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $30 | — | $30 | 0.02% |
| MEGAN MARIE MCCARRELL3 Filed as: MEGAN MCCARRELL | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $14 | $14 | $28 | 0.02% |
| CANDY WEISS3 | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $8 | $14 | $22 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $18 | — | $18 | 0.01% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A&M BONURA & ASSOCIATES INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $15 | — | $15 | 0.01% |
| LORI AUSTILL3 | P.O. BOX 1056 SORRENTO, FL 32776 | AFLAC | $12 | — | $12 | 0.01% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $9 | — | $9 | 0.01% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $9 | — | $9 | 0.01% |
| J W GRIMES INC3 Filed as: JW GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $2 | — | $2 | 0.00% |
| DEREK DEVANE3 | 3205 JERRRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 1862 KEYSTONE PL SCHAUMBURG, IL 60193 | AFLAC | $1 | — | $1 | 0.00% |
| UNITED ADVISOR OF FLORIDA3 | 560 HARRISON AVE PANAMA CITY, FL 32401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 13.52% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC. | PO BOX 195579 WINTER SPRINGS, FL 327195579 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 32719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $456 | — | $456 | 10.00% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $86K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $86K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $22K |
| Other(3 contracts, 2 carriers) | AFLAC | 177 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.