| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY5 | P.O. BOX 619999 DALLAS, TX 75261 | NATIONAL HEALTH INSURANCE COMPANY | $0 | $229K | $229K | 25.16% |
| NATIONAL GENERAL INSURANCE COMPANY5 | 1515 NORTH RIVERCENTER DR, STE #135 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | $0 | $71K | $71K | 7.78% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | NATIONAL HEALTH INSURANCE COMPANY | $45K | $0 | $45K | 5.00% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 6.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC-CORPORATE | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | HUMANA INSURANCE COMPANY | $592 | $0 | $592 | 0.77% |
| ANNE MARIE M CARTIER3 | 2465 AINSWORTH AVE DELTONA, FL 32738 | AFLAC | $9K | $556 | $10K | 13.65% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANNE DAVIDSON | 2201 MAJESTIC CT S NAPLES, FL 34110 | AFLAC | $1K | $46 | $1K | 2.09% |
| BRENT L GOODE3 | 2115 IMPERIAL GOLF COURSE BLVD NAPLES, FL 34110 | AFLAC | $1K | $73 | $1K | 1.60% |
| KALLY ANN IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $435 | $76 | $511 | 0.72% |
| JAMIE HARTT3 | 29323 PELICAN DR PUNTA GORDA, FL 33982 | AFLAC | $352 | $50 | $402 | 0.57% |
| MICHELL L VAZQUEZ3 | 18091 TRAVERSE DR ALVA, FL 33920 | AFLAC | $185 | $0 | $185 | 0.26% |
| BARBARA ANN SAXTON3 Filed as: BARBARA BROWNING | 17150 RAVENS ROOST APT 2 FORT MYERS, FL 33908 | AFLAC | $93 | $0 | $93 | 0.13% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $88 | $0 | $88 | 0.12% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $76 | $0 | $76 | 0.11% |
| DAVID MORRIS3 Filed as: DAVID BRIAN MORRIS | 15961 PRICKLY PEAR TER APT 104 ODESSA, FL 33556 | AFLAC | $62 | $0 | $62 | 0.09% |
| LILLIAN TOMPKINS3 | 1437 HARBOUR WALK RD TAMPA, FL 33602 | AFLAC | $38 | $0 | $38 | 0.05% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $29 | $0 | $29 | 0.04% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY F ENCARNACION | 11754 NW 1ST ST CORAL SPRINGS, FL 33071 | AFLAC | $27 | $0 | $27 | 0.04% |
| CAROLYN S PIETRZAK3 | 4 CROSSANDRA DR HOMOSASSA, FL 34446 | AFLAC | $26 | $0 | $26 | 0.04% |
| BRENDA LYNN GARRETT3 | 1350 FRONT PL UNIT 5102 NORTH PORT, FL 34287 | AFLAC | $25 | $0 | $25 | 0.04% |
| ALLISON T HENDERSON3 | 14080 CEDARDALE ST FORT MYERS, FL 33905 | AFLAC | $25 | $0 | $25 | 0.04% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105TH TER MIAMI, FL 33186 | AFLAC | $22 | $0 | $22 | 0.03% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $13 | $0 | $13 | 0.02% |
| CORA IVELSIE JOURNEY3 | 9211 NW 18TH ST CORAL SPRINGS, FL 33071 | AFLAC | $12 | $0 | $12 | 0.02% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 156 | $909K |
| Dental | HUMANA INSURANCE COMPANY | 180 | $76K |
| Vision | HUMANA INSURANCE COMPANY | 180 | $76K |
| Other | AFLAC | 117 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.