| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RES. GROUP | 4301 VINELAND RD., STE E5 ORLANDO, FL 328117371 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 6.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | 4301 VINELAND RD., STE E5 ORLANDO, FL 328117371 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RES GROUP | 4301 VINELAND ST., STE E-5 ORLANDO, FL 328117371 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 8.42% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RES GROUP | 4301 VINELAND ST., STE E-5 ORLANDO, FL 328117371 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| 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 | 9.41% |
| VIRMELIA RODRIGUEZ3 | 10090 BENNINGTON CHASE DR. ORLANDO, FL 32829 | AFLAC | $3K | $21K | $25K | 94.34% |
| A&M BONURA & ASSC3 | 1882 LAUREL BROOK LOOP VALRICO, FL 33596 | AFLAC | $2K | $43 | $2K | 7.40% |
| TERESA A RUCKER3 Filed as: TERESA RUCKER | 950 S WINTER PARK DR. STE 207 CASSELBERRY, FL 32707 | AFLAC | $611 | $43 | $654 | 2.49% |
| KYSEAN EDWARDS3 | 300 E. 2ND STREET, #1320 RENO, NV 89501 | AFLAC | $358 | — | $358 | 1.36% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES | 13313 FALCON POINTE DR. ORLANDO, FL 32837 | AFLAC | $119 | — | $119 | 0.45% |
| BARNETT I. CHEPENIK3 Filed as: BARNETT CHEPENIK | 1010 ORANGE AVE, WINTER PARK, FL 32789 | AFLAC | $118 | — | $118 | 0.45% |
| KUKULICA ENTERPRISES INC3 Filed as: KUKULICA ENTERPRISES INC. | 9437 DOUBLE DIAMOND PKWY STE 17 RENO, NV 89521 | AFLAC | $74 | — | $74 | 0.28% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSC | 4505 PINE TREE CIR SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $45 | $0 | $45 | 0.17% |
| KEVIN CURTIS3 | 300 E 2ND ST. STE 1320 RENO, NV 89501 | AFLAC | $45 | — | $45 | 0.17% |
| THOMAS VOLPE3 | 927 N MAIN ST. STE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $33 | — | $33 | 0.13% |
| CLARISSA LYNNE HERRICK3 | 1445 MONTE LAKE DR. VALRICO, FL 33596 | AFLAC | $32 | — | $32 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $20 | — | $20 | 0.08% |
| CHEPENIK FINANCIAL SERVICES INC.3 Filed as: CHEPENIK FINANCIAL SERVICES INC | 1010 ORANGE AVE SUITE 170 WINTER PARK, FL 32789 | AFLAC | $14 | — | $14 | 0.05% |
| DANIEL J LONG3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $13 | — | $13 | 0.05% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $12 | — | $12 | 0.05% |
| PATRICA ALMOND3 | 3964 JOURNEY CT. CASSELBERRY, FL 32707 | AFLAC | $9 | — | $9 | 0.03% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 N MAIN ST SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $8 | — | $8 | 0.03% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL J SHIOMOS3 | 44 MONROE DR. CLEMENTON, NJ 08021 | AFLAC | $5 | — | $5 | 0.02% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD. DOVER, FL 33527 | AFLAC | $5 | — | $5 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 3719 SW 74TH DR. GAINESVILLE, FL 32608 | AFLAC | $3 | — | $3 | 0.01% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 17 | $217K |
| Dental | UNION SECURITY INSURANCE COMPANY | 122 | $87K |
| Vision | UNION SECURITY INSURANCE COMPANY | 122 | $87K |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 262 | $31K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 262 | $31K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 262 | $31K |
| Other | AFLAC | 36 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
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.