| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | HEALTH OPTIONS | $25K | — | $25K | 5.17% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 327517112 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 5.56% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 4301 VINELAND RD., STE E-5 ORLANDO, FL 328117371 | USABLE LIFE | $8K | $213 | $9K | 19.52% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PRKY, #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $402 | $1 | $403 | 0.91% |
| THE INSURANCE & PAYROLL RESOURCE GR3 | 4301 VINELAND RD., STE E5 ORLANDO, FL 328117371 | FLORIDA COMBINED LIFE | $2K | — | $2K | 5.09% |
| JOHN F DUSSLING3 Filed as: JOHN F. DUSSLING | 2009 TULLAGE AVE MELBOURNE, FL 32940 | AFLAC | $1K | $85 | $1K | 3.98% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS. AND PAYROLL RESOURCE GROUP | 1101 NORTH LAKE DESTINY RD. SUITE 100 MAITLAND, FL 32751 | AFLAC | $926 | $0 | $926 | 2.78% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A & M BONURA & ASSOCIATES INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $582 | $7 | $589 | 1.77% |
| CINDY DEBRA WEISS3 | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $374 | $7 | $381 | 1.14% |
| A & M HARNER & ASSOCIATES LLC3 | 102N SWEETWATER BLVD. LONGWOOD, FL 32779 | AFLAC | $237 | $8 | $245 | 0.74% |
| DEREK B VICKERS3 Filed as: DEREK B. VICKERS | 1365 BLUE STEM LN. WINTER PARK, FL 32792 | AFLAC | $235 | $0 | $235 | 0.71% |
| RUBEN ROSA3 | 933 LEE RD. SUITE 200 ORLANDO, FL 32810 | AFLAC | $223 | $8 | $231 | 0.69% |
| BONNETT AND ASSOCIATES LLC3 | 933 LEE RD. SUITE 200 ORLANDO, FL 32810 | AFLAC | $160 | $0 | $160 | 0.48% |
| ADRIAN ROBERTS3 | 580 CASCADE CIR. APT 104 CASSELBERRY, FL 32707 | AFLAC | $85 | $19 | $104 | 0.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: ALEX VERNARD MCGRIFF | 2674 NEWBOLT DR. ORLANDO, FL 32817 | AFLAC | $27 | $0 | $27 | 0.08% |
| KARYN MITRANO ENTERPRISES INC3 Filed as: KARYN MITRANO ENTERPRISES INC. | 2819 EAGLE LAKE DR. ORLANDO, FL 32837 | AFLAC | $16 | $0 | $16 | 0.05% |
| JORY NOAM ENGEL3 | 109 WISTERIA DR. LONGWOOD, FL 32779 | AFLAC | $14 | $0 | $14 | 0.04% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIR. ORLANDO, FL 32825 | AFLAC | $12 | $0 | $12 | 0.04% |
| LAWRENCE GANSER3 | 1056 DISHMAN LOOP OVIEDO, FL 32765 | AFLAC | $12 | $0 | $12 | 0.04% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DR. ORLANDO, FL 32837 | AFLAC | $8 | $0 | $8 | 0.02% |
| ANDREW CONNORS3 Filed as: ANDREW D. CONNORS | 2251 ALEXANDER DR. TITUSVILLE, FL 32796 | AFLAC | $5 | $0 | $5 | 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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 41 | $352K |
| Dental | FLORIDA COMBINED LIFE | 54 | $35K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 41 | $352K |
| Life insurance | USABLE LIFE | 88 | $44K |
| Short-term disability | USABLE LIFE | 88 | $44K |
| Long-term disability | USABLE LIFE | 88 | $44K |
| Prescription drug | HEALTH OPTIONS | 57 | $480K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 88 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.