| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5310 CLARK ROAD SUITE 1 SARASOTA, FL 34233 | HEALTH OPTIONS | $11K | — | $11K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $819 | $5K | 12.02% |
| JACOB ZARAYA3 Filed as: JACOB MALLETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $697 | — | $697 | 5.35% |
| KRISTOPHER GROSSMAN3 Filed as: KRISTOPHER SHELDON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $568 | — | $568 | 4.36% |
| ADRIAN S JOHNSON3 Filed as: ADRIAN HERNANDEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $552 | — | $552 | 4.24% |
| AMANDA M GRIFFITH3 Filed as: AMANDA S VIOLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $340 | — | $340 | 2.61% |
| MALLORY DANAE AITCHISON3 Filed as: MALLORY D HERT-LAKEY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $288 | — | $288 | 2.21% |
| VALENTINA ROYZMAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $125 | — | $125 | 0.96% |
| KENNETH C MEIER CORP3 Filed as: KENNETH LEWIS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.37% |
| LUKE A ROCKWELL3 Filed as: LUKE MATTERA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.25% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER COONRAD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.23% |
| BRITTANY LLOYD3 Filed as: BRITTANY N MOORE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| ALYSSA MARIE WYBLE3 Filed as: ALYSSA FITZGERALD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA MARTIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| KRISTINA J KUNZ3 Filed as: KRISTINA ZHEPAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| ASHTON CONSULTING INC3 Filed as: ASHTON K DOROUGH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| ELENI A NIKOLAS3 Filed as: ELENI FLETCHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN HEIPLE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| MILDRED A JOHNSON3 Filed as: MILDRED CROMER WEST | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL CRUZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| PATRICK RUHLE3 Filed as: PATRICK HAMILTON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| NATHAN L HARRISON3 Filed as: NATHAN W SPIDEL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| JACOB ZARAYA3 Filed as: JACOB THOMPSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ALAN J ZUCCARI INC3 Filed as: ALAN LETCAVAGE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PAULA GAIL NEAL3 Filed as: PAULA SAUER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$68 | — | -$68 | -0.52% |
| BRENDA GARRETT3 | 1350 FRONT PLACE UNIT 5102 NORTH PORT, FL 34287 | AFLAC | $158 | — | $158 | 2.40% |
| EUGENE RIDER3 Filed as: EUGENE RIDER JR | 624 ESTUARY DRIVE PALMA SOLA, FL 34209 | AFLAC | $126 | — | $126 | 1.91% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 4930 VILLAGE GREEN DRIVE EL DORADO HILLS, CA 95762 | AFLAC | $37 | — | $37 | 0.56% |
| JENNIFER FRANCEY TAGGART3 Filed as: JENNIFER TAGGART | 6405 CORAL CREEK COURT ELLETON, FL 34222 | AFLAC | $36 | — | $36 | 0.55% |
| RANDALL BARTLEIN3 Filed as: RANDALL J BARTLEIN | 2831 RINGLING BOULEVARD SUITE B203 SARASOTA, FL 34237 | AFLAC | $22 | — | $22 | 0.33% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERVILLE, NC 28078 | AFLAC | $22 | — | $22 | 0.33% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PARKWAY SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $21 | — | $21 | 0.32% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE RIHANEK | 5535 NIGHT OWL TERRACE PALMETTO, FL 34221 | AFLAC | $19 | — | $19 | 0.29% |
| JUAN GUTIERREZ3 | 2547 SUNNYSIDE STREET SARASOTA, FL 34239 | AFLAC | $16 | — | $16 | 0.24% |
| MELINDA ADAMS3 | 480 SCHOONER STREET NORTH PORT, FL 34287 | AFLAC | $11 | — | $11 | 0.17% |
| ERIC B MATHIS3 | 5310 HAYDEN BOULEVARD SARASOTA, FL 34232 | AFLAC | $7 | — | $7 | 0.11% |
| DAVID JOSEPH MULVANEY3 Filed as: DAVID MULVANEY | 1480 LAKESIDE DRIVE VENICE, FL 34293 | AFLAC | $6 | — | $6 | 0.09% |
| DEBRA W KNIGHT3 Filed as: DEBRA KNIGHT | 4715 HIGHGROVE ROAD TALLAHASSEE, FL 32309 | AFLAC | $6 | — | $6 | 0.09% |
| DEREK R MANN3 | 155 LEE ROAD 2213 SALEM, AL 36674 | AFLAC | $5 | — | $5 | 0.08% |
| SUSAN BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $4 | — | $4 | 0.06% |
| J W GRIMES INC3 | 6201 RIVER ROAD APARTMENT 1305 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.06% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 614 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $3 | — | $3 | 0.05% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BOULEVARD SUITE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $2 | — | $2 | 0.03% |
| SUZANN T EUSEPI-GREEN3 Filed as: SUZANN EUSEPT GREEN | 216 RIVER DRIVE TEQUESTA, FL 33469 | AFLAC | $2 | — | $2 | 0.03% |
| MICHELLE JAMES- YARISH3 Filed as: MICHELLE JAMES-YARISH | 501 PINEWOOD DRIVE OLDSMAR, FL 34677 | AFLAC | $1 | — | $1 | 0.02% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES A HARBOUR | 7725 GATEWAY UNIT 2503 IRVINE, CA 92618 | AFLAC | $1 | — | $1 | 0.02% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DRIVE TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 0.02% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DRIVE MT WASHINGTON, KY 40047 | 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 34 | $300K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $41K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $41K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $61K |
| Prescription drug | HEALTH OPTIONS | 34 | $300K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.