| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, | 5310 CLARK ROAD SUITE 1 SARASOTA, FL 34233 | HEALTH OPTIONS | $15K | — | $15K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.46% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.36% |
| JACOB ZARAYA3 Filed as: JACOB THOMPSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $743 | — | $743 | 10.87% |
| KATHERINE BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $602 | — | $602 | 8.81% |
| JOHAN BLANCO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $572 | — | $572 | 8.37% |
| KENNETH C MEIER CORP3 Filed as: KENNETH LEWIS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $156 | — | $156 | 2.28% |
| MEGAN RING3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL CRUZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $108 | — | $108 | 1.58% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA MARTIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.70% |
| SABRINA S RAMOS3 Filed as: SABRINA PETERS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 0.32% |
| ALYSSA MARIE WYBLE3 Filed as: ALYSSA FITZGERALD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.29% |
| KRISTINA J KUNZ3 Filed as: KRISTINA ZHEPAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.20% |
| ASHTON CONSULTING INC3 Filed as: ASHTON DOROUGH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.18% |
| WILMAR GIL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.18% |
| MILDRED A JOHNSON3 Filed as: MILDRED CROMER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.16% |
| DAVID JOSEPH MULVANEY3 | 1480 LAKESIDE DRIVE VENICE, FL 34293 | AFLAC | $256 | — | $256 | 4.15% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVENUE FORT MYERS, FL 33913 | AFLAC | $78 | — | $78 | 1.26% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVENUE SUITE G03 RALEIGH, NC 27612 | AFLAC | $78 | — | $78 | 1.26% |
| JUAN GUTIERREZ3 | 2547 SUNNYSIDE STREET SARASOTA, FL 34239 | AFLAC | $67 | — | $67 | 1.09% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $50 | — | $50 | 0.81% |
| MARK J JELLEMA3 | 3719 ALOHA DRIVE SARASOTA, FL 34232 | AFLAC | $39 | — | $39 | 0.63% |
| JULIE W CRAIG3 | 10722 NORTHWEST 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $37 | — | $37 | 0.60% |
| HAROLD L STAFFORD3 | 10722 NORTHWEST 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $22 | — | $22 | 0.36% |
| MELINDA ADAMS3 | 480 SCHOONER STREET NORTH PORT, FL 34287 | AFLAC | $22 | — | $22 | 0.36% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $21 | — | $21 | 0.34% |
| HARRY E HUNT JR3 | 5707 45TH STREET EAST LOT 208 BRADENTON, FL 34203 | AFLAC | $20 | — | $20 | 0.32% |
| SHERI CROOK INC3 | 2151 COOK LANE ALVA, FL 33920 | AFLAC | $17 | — | $17 | 0.28% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIRCLE SUITE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $13 | — | $13 | 0.21% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $10 | — | $10 | 0.16% |
| ROGER L KNIGHT3 | 4715 HIGHGROVE ROAD TALLAHASSEE, FL 32309 | AFLAC | $10 | — | $10 | 0.16% |
| JOEL M LUSTGARTEN3 | 3000 NORTH OCEAN DRIVE APARTMENT 14H RIVIERA BEACH, FL 33404 | AFLAC | $7 | — | $7 | 0.11% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.10% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $4 | — | $4 | 0.06% |
| CHRISTINA MARIE DONATELLA3 | 11669 TEMPEST HARBOR LOOP VENICE, FL 34292 | AFLAC | $4 | — | $4 | 0.06% |
| EBM ENTERPRISES INC3 | 5310 HAYDEN BOULEVARD SARASOTA, FL 34232 | AFLAC | $4 | — | $4 | 0.06% |
| ERIC B MATHIS3 | 5310 HAYDEN BOULEVARD SARASOTA, FL 34232 | AFLAC | $4 | — | $4 | 0.06% |
| GRAVES INC3 | 5659 WEST HOLIDAY STREET HOMOSASSA, FL 34446 | AFLAC | $3 | — | $3 | 0.05% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $3 | — | $3 | 0.05% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $2 | — | $2 | 0.03% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.03% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $2 | — | $2 | 0.03% |
| RENEE ANN BLINN ZELLHART3 | 8433 ENTERPRISE CIRCLE SUITE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $2 | — | $2 | 0.03% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LANE ODESSA, FL 33556 | AFLAC | $1 | — | $1 | 0.02% |
| MARY REBECCA WEATHERLY3 | 1934 EAST LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $1 | — | $1 | 0.02% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DRIVE TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 46 | $291K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $33K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $33K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $46K |
| Prescription drug | HEALTH OPTIONS | 46 | $291K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.