| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 711 PENSACOLA, FL 325910711 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $70K | $81K | 5.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN INC. | PO BOX 711 PENSACOLA, FL 32591 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN INC. | PO BOX 711 PENSACOLA, FL 32593 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.41% |
| STEVEN FALATKO3 | 213 LANDS END RD CADIZ, KY 42211 | AFLAC | $736 | — | $736 | 3.69% |
| PAMELA S FALATKO3 | 137 CANDLEWICK CIRCLE PANAMA CITY, FL 32405 | AFLAC | $425 | — | $425 | 2.13% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $390 | — | $390 | 1.96% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $315 | — | $315 | 1.58% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $265 | — | $265 | 1.33% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $184 | — | $184 | 0.92% |
| CAROL S JOSSERAND3 | 104 SANDTRAP RD #101 MIRAMAR BEACH, FL 32550 | AFLAC | $45 | — | $45 | 0.23% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $25 | — | $25 | 0.13% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $23 | — | $23 | 0.12% |
| JEANNE C HOLLON3 | 196 SILVER LAKE N MARIANNA, FL 32448 | AFLAC | $16 | — | $16 | 0.08% |
| DONNA M HARPSOE3 | 7649 LEGENDARY LANE WEST CHESTER, OH 45089 | AFLAC | $13 | — | $13 | 0.07% |
| DANIEL S ADAMS3 | 3857 SCOTT CHURCH RD MARIANNA, FL 32448 | AFLAC | $11 | — | $11 | 0.06% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS A CARMICHAEL3 | 4821 BRANTFORD COURT WEST CHESTER, OH 45059 | AFLAC | $3 | — | $3 | 0.02% |
| MICHAEL J QUINN3 | 8580 MAJORICA LANE NAPLES, FL 34114 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD C GRETHEL3 | 28044 CAVENDISH COURT #5803 BONITA SPRINGS, FL 34135 | AFLAC | $2 | — | $2 | 0.01% |
| CAROLINA BENEFITS SOURCE INC3 | 2430 NE 32ND CT LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 3.32% |
| CONTEMPORARY BENEFITS ADVISORS LLC3 Filed as: CONTEMPORARY BENEFITS DESIGN INC | 1956 WELLNESS BLVD MONROE, NC 28110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 2.07% |
| LAURIE J BURNS3 | 303 PLYLER RD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.29% |
| LOUIS ASCANIO3 | 127 BRAWLEY HARBOR PL MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.