| 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 32591 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $51K | $61K | 3.66% |
| 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 | 10.69% |
| STEVEN FALATKO3 | 213 LANDS END RD CADIZ, KY 42211 | AFLAC | $477 | — | $477 | 3.14% |
| SAIC INC3 Filed as: SAIC, INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $303 | — | $303 | 1.99% |
| ROBERT P FERRONE3 Filed as: ROBERT C. MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $289 | — | $289 | 1.90% |
| PAMELA S FALATKO3 Filed as: PAMELA S. FALATKO | 137 CANDLEWICK CIRCLE PANAMA CITY, FL 32405 | AFLAC | $279 | — | $279 | 1.84% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $193 | — | $193 | 1.27% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $162 | — | $162 | 1.07% |
| CAROL S JOSSERAND3 | 104 SANDTRAP RD #101 MIRAMAR BEACH, FL 32550 | AFLAC | $41 | — | $41 | 0.27% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $23 | — | $23 | 0.15% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $21 | — | $21 | 0.14% |
| JEANNE C HOLLON3 | 196 SILVER LAKE N MARIANNA, FL 32448 | AFLAC | $14 | — | $14 | 0.09% |
| DONNA M HARPSOE3 | 7649 LEGENARY LANE WEST CHESTER, OH 45069 | AFLAC | $12 | — | $12 | 0.08% |
| DANIEL S ADAMS3 | 3857 SCOTT CHURCH RD MARIANNA, FL 32448 | AFLAC | $10 | — | $10 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.02% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS A CARMICHAEL3 | 4821 BRANTFORD COURT WEST CHESTER, OH 45069 | AFLAC | $3 | — | $3 | 0.02% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD C GRETHEL3 | 28044 CAVENDISH COURT #5803 BONITA SPRINGS, FL 34135 | AFLAC | $1 | — | $1 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTOGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTOGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $0 | — | $0 | 0.00% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 2.85% |
| CONTEMPORARY BENEFITS ADVISORS LLC3 Filed as: CONTEMPORARY BENEFITS DESIGN INC | 1956 WELLNESS BLVD MONROE, NC 28110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 2.12% |
| LAURIE J BURNS3 | 303 PLYLER RD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.27% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $62K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.