| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPENCER BARRETT3 | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | BLUE CROSS BLUE SHIELD OF FLORIDA | $49K | $0 | $49K | 2.67% |
| JOHN SPOONER3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | $0 | $25K | 1.33% |
| SPENCER BARRETT3 | PO BOX 270 OCALA, FL 34478 | CAPITAL HEALTH PLAN | $12K | $0 | $12K | 2.17% |
| JOHN SPOONER3 | 2600 LAKE LUCIEN DRIVE MAITLAND, FL 32754 | CAPITAL HEALTH PLAN | $4K | $0 | $4K | 0.76% |
| SPENCER BARRETT3 | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | HEALTH OPTIONS, INC. | $11K | $0 | $11K | 2.67% |
| JOHN SPOONER3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HEALTH OPTIONS, INC. | $6K | $0 | $6K | 1.33% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT, LINER AND BUSS LLC | PO BOX 270 OCALA, FL 34478 | HARTFORD LIFE AND ACCIDENT | $23K | $2K | $25K | 6.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 3.53% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT, LINER AND BUSS LLC | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | FLORIDA HEALTH CARE PLANS, INC. | $12K | $0 | $12K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $6K | $0 | $6K | 1.72% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT, LINER AND BUSS, LLC | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.78% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT, LINER AND BUSS LLC | PO BOX 270 OCALA, FL 34478 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $520 | $520 | 0.18% |
| WENDY SILVERS3 Filed as: WENDY G. SILVERS | 2240 DEERWOOD DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $21K | $306 | $21K | 8.03% |
| MJ INSURANCE3 Filed as: GLENN L. DAYTON AND VARIOUS AGENTS | 6900 ULMERTON ROAD, SUITE 211 LARGO, FL 33771 | AFLAC | $16K | $736 | $17K | 6.35% |
| ERIC L. KIRKLAND3 | 1775 PINE PARK ROAD CAIRO, GA 39828 | AFLAC | $10K | $319 | $10K | 3.91% |
| SARAH E NUNZIATO Filed as: SARAH E. NUNZIATO | 98 GREEN FOREST DRIVE ORMOND BEACH, FL 32174 | AFLAC | $5K | $61 | $5K | 1.92% |
| JEFFREY B HAWKINS Filed as: JEFFREY B. HAWKINS | 244 SOUTH WOODLAND BOULEVARD SUITE B DELAND, FL 32720 | AFLAC | $3K | $65 | $3K | 1.28% |
| ASSURANCE AGENCY LTD3 Filed as: CROSS ASSURANCE GROUP INC. | 3370 CAPITAL CIRCLE NE, SUITE G TALLAHASSEE, FL 32308 | AFLAC | $3K | $64 | $3K | 1.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | AFLAC | $90 | $0 | $90 | 0.03% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT, LINER, AND BUSS, LLC | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 7.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $865 | $0 | $865 | 2.47% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 313 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 838 | $281K |
| Vision | HUMANA INSURANCE COMPANY | 295 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 838 | $637K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 517 | $618K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 517 | $355K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 222 | $3.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 838 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.