| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | 4301 VINELAND RD., STE E5 ORLANDO, FL 328117371 | HUMANA MEDICAL PLAN | $32K | — | $32K | 6.79% |
| RENAISSANCE BENEFIT ADVISORS3 | 6314 KINGSPOINTE PKWY SUITE 4 ORLANDO, FL 32819 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.10% |
| HARRISON-DAVIS INC3 Filed as: HARRISON DAVIS INC. | 5426 BAY CENTER DR. SUITE 550 TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 0.35% |
| THE INS & PAYROLL RESOURCE3 Filed as: INS & PAYROLL RESOURCE GROUP OF FL | 4301 VINELAND RD. SUITE E-5 ORLANDO, FL 32811 | SUN LIFE ASSURANCE CO OF CANADA | $3K | — | $3K | 10.61% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 10090 BENNINGTON CHASE DR. ORLANDO, FL 32829 | AFLAC | $2K | $44 | $2K | 10.01% |
| A&M BONURA & ASSC3 | 1882 LAUREL BROOK LOOP VALRICO, FL 33596 | AFLAC | $591 | $9 | $600 | 2.78% |
| VIRMELIA ROSARIO3 | 8161 GOLDEN CHICKASAW CIR ORLANDO, FL 32825 | AFLAC | $176 | — | $176 | 0.81% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 1445 MONTE LAKE DR. VALRICO, FL 33596 | AFLAC | $172 | — | $172 | 0.80% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 13313 FALCON POINTE DR. ORLANDO, FL 32837 | AFLAC | $161 | — | $161 | 0.75% |
| BARNETT I. CHEPENIK3 Filed as: BARNETT CHEPENIK | 1010 ORANGE AVE, WINTER PARK, FL 32789 | AFLAC | $141 | — | $141 | 0.65% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 1977 THE OAKS BLVD KISSIMMEE, FL 34746 | AFLAC | $139 | — | $139 | 0.64% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSC | 4505 PINE TREE CIR SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $96 | — | $96 | 0.44% |
| CHEPENIK FINANCIAL SERVICES INC.3 Filed as: CHEPENIK FINANCIAL SERVICES INC | 1010 ORANGE AVE SUITE 170 WINTER PARK, FL 32789 | AFLAC | $70 | — | $70 | 0.32% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 1851 LINDEN AVE, APT 2 GRAND JUNCTION, CO 81503 | AFLAC | $44 | $14 | $58 | 0.27% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES | 7802 KINGS POINTE PKWY SUITE 208A ORLANDO, FL 32819 | AFLAC | $54 | — | $54 | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $53 | — | $53 | 0.25% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 950 S WINTER PARK DR. STE 207 CASSELBERRY, FL 32707 | AFLAC | $40 | — | $40 | 0.19% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $30 | $9 | $39 | 0.18% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 17 RENO, NV 89521 | AFLAC | $35 | — | $35 | 0.16% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 10703 SPOTSYVANIA AVE SUITE 201 FREDERICKSBURG, VA 22408 | AFLAC | $34 | — | $34 | 0.16% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 927 N MAIN ST SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $31 | — | $31 | 0.14% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 48 EISENTOWN DR. LOVETTSVILLE, VA 20180 | AFLAC | $10 | $7 | $17 | 0.08% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 174 32 RD GRAND JUNCTION, CO 81503 | AFLAC | $10 | $5 | $15 | 0.07% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $15 | — | $15 | 0.07% |
| TINA WAY3 | 155 INVERNESS DR. W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $7 | $5 | $12 | 0.06% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN | 62 | $464K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $61K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $61K |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 207 | $27K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 207 | $27K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 207 | $27K |
| Other | AFLAC | 30 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.