| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEABERRY BENEFIT ANALYSTS LLC3 Filed as: TEABERRY BENEFITS ANALYSTS LLC | 19201 VISTA LANE D-10 INDIAN SHORES, FL 33785 | AVMED | $35K | — | $35K | 5.91% |
| TEABERRY BENEFIT ANALYSTS LLC3 | 2655 ULMERTON RD STE 283 CLEARWATER, FL 33762 | STARMOUNT LIFE INSURANCE COMPANY | $11K | — | $11K | 16.15% |
| TEABERRY BENEFIT ANALYSTS LLC3 | 2655 ULMERTON RD # 283 CLEARWATER, FL 33762 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.14% |
| TEABERRY BENEFIT ANALYSTS LLC3 Filed as: TEABERRY BENEFIT ANALYSTS | 19201 VISTA LN INDIAN SHORES, FL 33785 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 18.60% |
| RUBY ROBB3 | 3216 THACKERY WAY PLANT CITY, FL 33566 | AFLAC | $570 | $20 | $590 | 5.67% |
| ELEANOR M BREZNAY3 | 919 KEITH LN AUBURNDALE, FL 33823 | AFLAC | $251 | $9 | $260 | 2.50% |
| SARAH E WILLETT3 | 304 E PINE ST PMB 187 LAKELAND, FL 33801 | AFLAC | $205 | $20 | $225 | 2.16% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $53 | $9 | $62 | 0.60% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN CT WINTER HAVEN, FL 33884 | AFLAC | $56 | — | $56 | 0.54% |
| MICHELE K WILLEY3 | 122 E MAIN ST 185 LAKELAND, FL 32801 | AFLAC | $36 | — | $36 | 0.35% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $28 | — | $28 | 0.27% |
| JOHN MICHAEL GRUBBS3 | 34931 US HIGHWAY 19 N PALM HARBOR, FL 34684 | AFLAC | $26 | — | $26 | 0.25% |
| JL & ASSOCIATES INC3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $20 | — | $20 | 0.19% |
| SUSAN BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $5 | — | $5 | 0.05% |
| GARY L RICKETTS INC3 Filed as: GARY L RICKETTS | 2802 CASON CT SEFFNER, FL 33584 | AFLAC | $4 | — | $4 | 0.04% |
| FRANCIS V CRUZ3 | PO BOX 302 BRADFORDWOODS PA, PA 15015 | AFLAC | $2 | — | $2 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $2 | — | $2 | 0.02% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $2 | — | $2 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.02% |
| HORACE R WEAVER III3 | 2512 GARDEN ST MERAUX, LA 70075 | AFLAC | $2 | — | $2 | 0.02% |
| GROUP PLANS INC3 | PO BOX 5164 LAKELAND, FL 33807 | AFLAC | $1 | — | $1 | 0.01% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $1 | — | $1 | 0.01% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $1 | — | $1 | 0.01% |
| JENNIFER B MOREHEAD3 | 26267 WALKING HORSE TRL BROOKSVILLE, FL 34601 | AFLAC | $0 | — | $0 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $0 | — | $0 | 0.00% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 102 | $608K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 213 | $65K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 213 | $65K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 219 | $37K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $53K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 219 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.