| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER-BROWN INC | 500 GRAND BLVD STE 220 MIRAMAR, FL 32550 | BLUECROSS BLUESHIELD OF FLORIDA | $60K | — | $60K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 711 PENSACOLA, FL 32591 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $27K | $33K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER-BROWN INC | 500 GRAND BLVD STE 220 MIRAMAR, FL 32550 | FLORIDA COMBINED LIFE | $13K | — | $13K | 13.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ZACH PARKER | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $3K | — | $3K | 2.66% |
| JOHN GOERGEN3 Filed as: JOHN STEVENS | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | — | $1K | 1.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN INC | PO BOX 711 PENSACOLA, FL 32593 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER-BROWN INC | 19 W GARDEN ST, SUITE 300 PENSACOLA, FL 32502 | FLORIDA BLUE | $2K | — | $2K | 10.00% |
| STEVEN FALATKO3 | 213 LANDS END RD CADIZ, KY 42211 | AFLAC | $437 | — | $437 | 3.48% |
| SAIC INC3 Filed as: SAIC, INC. | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $254 | — | $254 | 2.03% |
| PAMELA S FALATKO3 Filed as: PAMELA S. FALATKO | 137 CANDLEWICK CIR PANAMA CITY, FL 32405 | AFLAC | $249 | — | $249 | 1.99% |
| ROBERT P FERRONE3 Filed as: ROBERT C. MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $169 | — | $169 | 1.35% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $144 | — | $144 | 1.15% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $109 | — | $109 | 0.87% |
| CAROL S JOSSERAND3 | 104 SANDTRAP RD #101 MIRAMAR BEACH, FL 32550 | AFLAC | $45 | — | $45 | 0.36% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $25 | — | $25 | 0.20% |
| BRIAN ANDREWS3 | 5728 TAMARACK RD PACE, FL 32571 | AFLAC | $23 | — | $23 | 0.18% |
| JEANNE C HOLLON3 | 196 SILVER LAKE N MARIANNA, FL 32448 | AFLAC | $16 | — | $16 | 0.13% |
| DONNA M HARPSOE3 | 7649 LEGENDARY LANE WEST CHESTER, OH 45069 | AFLAC | $13 | — | $13 | 0.10% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $12 | — | $12 | 0.10% |
| DANIEL S ADAMS3 | 3857 SCOTT CHURCH RD MARIANNA, FL 32448 | AFLAC | $11 | — | $11 | 0.09% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $8 | — | $8 | 0.06% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.02% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS A CARMICHAEL3 | 4821 BRANTFORD CT WEST CHESTER, OH 45069 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $2 | — | $2 | 0.02% |
| MICHAEL J QUINN3 | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $2 | — | $2 | 0.02% |
| RONALD C GRETHEL3 | 28044 CAVENDISH CT #5803 BONITA SPRINGS, FL 34135 | AFLAC | $2 | — | $2 | 0.02% |
| THOMAS A CARMICHAEL3 | 4821 BRANTFORD CT WEST CHESTER, OH 45069 | AFLAC | $1 | — | $1 | 0.01% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 3.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1956 WELLNESS BLVD MONROE, NC 28110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 1.53% |
| LAURIE J BURNS3 | 303 PLYLER RD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.45% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF FLORIDA | 376 | $2.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF FLORIDA | 376 | $2.3M |
| Vision(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF FLORIDA | 376 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $28K |
| Short-term disability(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 194 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $28K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF FLORIDA | 376 | $2.3M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.