| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5310 CLARK ROAD SUITE 1 SARASOTA, FL 34233 | HEALTH OPTIONS | $18K | — | $18K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 12.90% |
| BLANCO, JOHAN3 Filed as: BLANCO, KATHERINE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $355 | — | $355 | 3.61% |
| BLANCO, JOHAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 1.93% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS, KENNETH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $86 | — | $86 | 0.87% |
| MOORE, BRITTANY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $45 | — | $45 | 0.46% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN, PATRICIA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.25% |
| FITZGERALD CLAYTON, JAMES & KASTEN3 Filed as: FITZGERALD, ALYSSA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.20% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON, JACOB | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.13% |
| HAMILTON INSURANCE AGENCY3 Filed as: HAMILTON, PATRICK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.11% |
| PETERS, SABINA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.11% |
| ZHEPAN, KRISTINA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.10% |
| DOROUGH, ASHTON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| HEIPLE, JOHN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| CRUZ CRUZ-HEREMURU3 Filed as: CRUZ, DANIEL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| CROMER WEST, MILDRED3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| PIDDINGTON, SARAH3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| SPIDEL, NATHAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| LETCAVAGE, ALAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| FLETCHER INSURANCE GROUP3 Filed as: FLETCHER, ELENI | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| EUGENE RIDER3 | 624 ESTUARY DRIVE PALMA SOLA, FL 34209 | AFLAC | $690 | — | $690 | 8.25% |
| BRENDA GARRETT3 | 12475 KENTWOOD AVENUE FORT MYERS, FL 33913 | AFLAC | $170 | — | $170 | 2.03% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK COURT ELLETON, FL 34222 | AFLAC | $120 | — | $120 | 1.43% |
| NICOLE LYNN RIHANEK3 | 5535 NIGHT OWL TERRACE PALMETTO, FL 34221 | AFLAC | $74 | — | $74 | 0.88% |
| SUNDY PARKER3 | 3806 TRIPLE JUMP STREET VALRICO, FL 33596 | AFLAC | $61 | — | $61 | 0.73% |
| JULIE W CRAIG3 | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERSVILLE, NC 28078 | AFLAC | $41 | — | $41 | 0.49% |
| RANDALL BARTLEIN3 Filed as: RANDALL J BARTLEIN | 2831 RINGLING BOULEVARD SUITE B203 SARASOTA, FL 34237 | AFLAC | $28 | — | $28 | 0.33% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERVILLE, NC 28078 | AFLAC | $24 | — | $24 | 0.29% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $23 | — | $23 | 0.27% |
| JUAN GUTIERREZ3 | 2547 SUNNYSIDE STREET SARASOTA, FL 34239 | AFLAC | $17 | — | $17 | 0.20% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $12 | — | $12 | 0.14% |
| MELINDA ADAMS3 | 480 SCHOONER STREET NORTH PORT, FL 34287 | AFLAC | $12 | — | $12 | 0.14% |
| ROGER L KNIGHT3 | 4715 HIGHGROVE ROAD TALLAHASSEE, FL 32309 | AFLAC | $10 | — | $10 | 0.12% |
| ERIC B MATHIS3 | 5310 HAYDEN BOULEVARD SARASOTA, FL 34232 | AFLAC | $8 | — | $8 | 0.10% |
| DAVID JOSEPH MULVANEY3 | 1480 LAKESIDE DRIVE VENICE, FL 34293 | AFLAC | $7 | — | $7 | 0.08% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.08% |
| DEREK R MANN3 | 155 LEE ROAD 2213 SALEM, AL 36674 | AFLAC | $5 | — | $5 | 0.06% |
| SUSAN C BRIMHALL3 Filed as: SUSAN BRIMHALL | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $4 | — | $4 | 0.05% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $3 | — | $3 | 0.04% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BOULEVARD SUITE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $2 | — | $2 | 0.02% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.02% |
| SUZANN T EUSEPI-GREEN3 Filed as: SUZANN TEUSEPT GREEN | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $2 | — | $2 | 0.02% |
| JEFFREY GLENN YARISH3 | 8575 SUNSET COURT TREASURE ISLAND, FL 33706 | AFLAC | $2 | — | $2 | 0.02% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES A HARBOUR | 7725 GATEWAY UNIT 2503 IRVINE, CA 92618 | AFLAC | $1 | — | $1 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DRIVE TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 0.01% |
| MARK C LEE3 | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.01% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DRIVE MT WASHINGTON, KY 40047 | AFLAC | $1 | — | $1 | 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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 38 | $366K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $38K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $38K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $56K |
| Prescription drug | HEALTH OPTIONS | 38 | $366K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.