| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | CIGNA | — | $52K | $52K | 2.72% |
| VENTURA & SMITH5 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | CIGNA | $8K | — | $8K | 10.81% |
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | NEW YORK LIFE | $6K | — | $6K | 12.63% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | AFLAC | $1K | — | $1K | 3.38% |
| JANINE S WEBB3 Filed as: JANINE WEBB | 117 BERKELEY ST SATELLITE BEACH, FL 32937 | AFLAC | $1K | — | $1K | 3.30% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $733 | — | $733 | 1.98% |
| RAE SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $398 | — | $398 | 1.08% |
| ANN FINLAY3 | 3335 SAVANNAHS TRAIL MERRITT ISLAND, FL 32953 | AFLAC | $395 | — | $395 | 1.07% |
| JEREMY M HASKELL Filed as: JEREMY HASKELL | 109 DEMOTTE AVE PORT ORANGE, FL 32127 | AFLAC | $282 | — | $282 | 0.76% |
| SHERRI GAUL3 | 426 MYRTLEWOOD RD MELBOURNE, FL 32940 | AFLAC | $187 | — | $187 | 0.51% |
| MICHAEL WITHROW3 | 4801 GLENWOOD AVE STE 200 RALEIGH, NC 27612 | AFLAC | $125 | — | $125 | 0.34% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 9505 CHAD COLLEY BLVD UNIT 3804 FORTH SMITH, AR 72916 | AFLAC | $118 | — | $118 | 0.32% |
| 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 | $82 | — | $82 | 0.22% |
| ANDREW J CHRISTIANO3 Filed as: ANDREW CHRISTIANO | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $62 | — | $62 | 0.17% |
| JOHN ALEXANDER3 | 1527 S ATLANTIC AVE APT 501 COCOA BEACH, FL 32931 | AFLAC | $57 | — | $57 | 0.15% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES, INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $54 | — | $54 | 0.15% |
| DEREK B VICKERS3 Filed as: DEREK VICKERS | 1365 BLUE STEM LN WINTER PARK, FL 32792 | AFLAC | $46 | — | $46 | 0.12% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $46 | — | $46 | 0.12% |
| ANDREW CONNORS3 | 2251 ALEXANDER DR TITUSVILLE, FL 32796 | AFLAC | $23 | — | $23 | 0.06% |
| LACEY SAXON3 | 105 SEA PARK BLVD SATELLITE BEACH, FL 32937 | AFLAC | $22 | — | $22 | 0.06% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $20 | — | $20 | 0.05% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $15 | — | $15 | 0.04% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $14 | — | $14 | 0.04% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA REILLY | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $12 | — | $12 | 0.03% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 21 HEARTWOOD DR CATALUA, GA 31804 | AFLAC | $12 | — | $12 | 0.03% |
| ROBERT SUKOLSKY3 | 325 5TH AVE STE 101 INDIATLANTIC, FL 32903 | AFLAC | $10 | — | $10 | 0.03% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $7 | — | $7 | 0.02% |
| BONNETT AND ASSOCIATES LLC3 | 7 OAK ST UNIT 102 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.01% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $3 | — | $3 | 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% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $2 | — | $2 | 0.01% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON RD STE 4 COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | NEW YORK LIFE | $2K | — | $2K | 12.42% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.32% |
| JANINE S WEBB3 Filed as: JANINE WEBB | 117 BERKELEY ST SATELLITE BEACH, FL 32937 | TRANSAMERICA LIFE INSURANCE COMPANY | $808 | — | $808 | 9.64% |
| CYNTHIA DROPESKI3 | 690 W. EAU GALLIE BLVD MELBOURNE, FL 32935 | TRANSAMERICA LIFE INSURANCE COMPANY | $407 | — | $407 | 4.86% |
| CYNTHIA HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | TRANSAMERICA LIFE INSURANCE COMPANY | $389 | $1 | $390 | 4.65% |
| RAE SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | TRANSAMERICA LIFE INSURANCE COMPANY | $283 | — | $283 | 3.38% |
| VENTURA & SMITH3 | 219 RICHMOND DRIVE ST. JOHNS, FL 32259 | NEW YORK LIFE | $550 | — | $550 | 12.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Other fees Service code 99 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $48K |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 191 | $2.0M |
| Dental | CIGNA | 159 | $76K |
| Vision | CIGNA | 159 | $76K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE | 263 | $26K |
| Short-term disability | AFLAC | 49 | $37K |
| Long-term disability | NEW YORK LIFE | 263 | $47K |
| Other(3 contracts, 2 carriers) | NEW YORK LIFE | 263 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.