| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | CIGNA | — | $35K | $35K | 2.23% |
| VENTURA & SMITH3 | P.O. BOX 52 PALM HARBOR, FL 34682 | HEALTH OPTIONS, INC. | $38K | — | $38K | 2.50% |
| VENTURA & SMITH3 | P.O. BOX 52 PALM HARBOR, FL 34682 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 2.50% |
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | FLORIDA COMBINED LIFE | $4K | — | $4K | 6.29% |
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | USABLE LIFE | $5K | — | $5K | 11.88% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $420 | — | $420 | 0.93% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $787 | — | $787 | 2.13% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | AFLAC | $746 | — | $746 | 2.01% |
| RAE SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $447 | — | $447 | 1.21% |
| ANN FINLAY3 | 3335 SAVANNAHS TRAIL MERRITT ISLAND, FL 32953 | AFLAC | $422 | — | $422 | 1.14% |
| SHERRI GAUL3 | 426 MYRTLEWOOD RD MELBOURNE, FL 32940 | AFLAC | $214 | — | $214 | 0.58% |
| MICHAEL WITHROW3 | 4801 GLENWOOD AVE STE 200 RALEIGH, NC 27612 | AFLAC | $142 | — | $142 | 0.38% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 9505 CHAD COLLEY BLVD UNIT 3804 FORTH SMITH, AR 72916 | AFLAC | $136 | — | $136 | 0.37% |
| HOLLY A REMUS3 Filed as: HOLLY REMUS | 1265 BAILEY AVE DELTONA, FL 32725 | AFLAC | $88 | — | $88 | 0.24% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $85 | — | $85 | 0.23% |
| JANINE S WEBB3 Filed as: JANINE WEBB | 117 BERKELEY ST SATELLITE BEACH, FL 32937 | AFLAC | $76 | — | $76 | 0.21% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES, INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $67 | — | $67 | 0.18% |
| ANDREW J CHRISTIANO3 Filed as: ANDREW CHRISTIANO | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $61 | — | $61 | 0.16% |
| DEREK B VICKERS3 Filed as: DEREK VICKERS | 1365 BLUE STEM LN WINTER PARK, FL 32792 | AFLAC | $61 | — | $61 | 0.16% |
| JOHN ALEXANDER3 | 1527 S ATLANTIC AVE APT 501 COCOA BEACH, FL 32931 | AFLAC | $57 | — | $57 | 0.15% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $47 | — | $47 | 0.13% |
| ANDREW CONNORS3 | 2251 ALEXANDER DR TITUSVILLE, FL 32796 | AFLAC | $36 | — | $36 | 0.10% |
| BONNETT AND ASSOCIATES LLC3 | 7 OAK ST UNIT 102 COCOA, FL 32922 | AFLAC | $31 | — | $31 | 0.08% |
| LACEY SAXON3 | 105 SEA PARK BLVD SATELLITE BEACH, FL 32937 | AFLAC | $25 | — | $25 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $20 | — | $20 | 0.05% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $18 | — | $18 | 0.05% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $15 | — | $15 | 0.04% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA REILLY | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $15 | — | $15 | 0.04% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 21 HEARTWOOD DR CATALUA, GA 31804 | AFLAC | $13 | — | $13 | 0.04% |
| ROBERT SUKOLSKY3 | 325 5TH AVE STE 101 INDIATLANTIC, FL 32903 | AFLAC | $10 | — | $10 | 0.03% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $8 | — | $8 | 0.02% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $7 | — | $7 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $5 | — | $5 | 0.01% |
| JENNIE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $3 | — | $3 | 0.01% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $3 | — | $3 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $3 | — | $3 | 0.01% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $3 | — | $3 | 0.01% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON RD STE 4 COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | USABLE LIFE | $3K | — | $3K | 12.92% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $240 | — | $240 | 0.93% |
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 6.84% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $945 | — | $945 | 6.19% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | — | $406 | 2.66% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $861 | — | $861 | 6.29% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 2.69% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $876 | — | $876 | 6.55% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $376 | — | $376 | 2.81% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 35.00% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 30.50% |
| RAE SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 21.01% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | TRANSAMERICA LIFE INSURANCE COMPANY | $832 | — | $832 | 13.51% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | CIGNA | 186 | $3.5M |
| Dental | FLORIDA COMBINED LIFE | 166 | $65K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 147 | $17K |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE | 246 | $46K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 54 | $64K |
| Long-term disability | USABLE LIFE | 246 | $45K |
| Prescription drug(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 54 | $1.9M |
| Other(5 contracts, 3 carriers) | AFLAC | 246 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.