| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNITED HEALTHCARE INSURANCE COMPANY | $45K | $105K | $150K | 4.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 600084050 | UNITED HEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.14% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNITED HEALTHCARE INSURANCE COMPANY | — | -$19 | -$19 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $3K | $33K | 19.39% |
| SHELLIE GASKINS3 | 510 22ND ST ST AUGUSTINE, FL 32084 | AFLAC | $3K | $48 | $3K | 3.28% |
| SALLY L PITTMAN3 Filed as: SALLY PITTMAN | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $2K | $1 | $2K | 2.14% |
| DENNIS PITTMAN3 | 9372 COXWELL LN JACKSONVILLE, FL 32221 | AFLAC | $906 | — | $906 | 0.99% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $778 | — | $778 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | AFLAC | $559 | — | $559 | 0.61% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $522 | — | $522 | 0.57% |
| TUBER AND ASSOCIATES CORP3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $506 | $11 | $517 | 0.57% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $502 | — | $502 | 0.55% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $385 | — | $385 | 0.42% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $254 | — | $254 | 0.28% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $212 | $3 | $215 | 0.24% |
| DAVID MARKS3 | 3011 CANEWOOD LN BATON ROUGE, LA 70810 | AFLAC | $208 | — | $208 | 0.23% |
| GLORIA MEARES3 | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $164 | — | $164 | 0.18% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $142 | — | $142 | 0.16% |
| MILLER MILLER BRADWISH & MILLER PA3 Filed as: MILLER MILLER BRADWISH MILLER | PO BOX 10099 JACKSONVILLE, FL 32247 | AFLAC | $125 | — | $125 | 0.14% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY MILLWOOD | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $111 | — | $111 | 0.12% |
| JASON BODDIE3 | 5242 LOUIS LN MIDDLEBURG, FL 32068 | AFLAC | $108 | — | $108 | 0.12% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $105 | — | $105 | 0.12% |
| DAVID ABOULAFIA3 | 1 SPENCER ST ST. AUGUSTINE, FL 32084 | AFLAC | $84 | — | $84 | 0.09% |
| TAMARA HAYGOOD3 | 3017 ANGORA BAY DR MIDDLEBURG, FL 32068 | AFLAC | $82 | — | $82 | 0.09% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $61 | — | $61 | 0.07% |
| TRAVIS P LEBLANC3 Filed as: TRAVIS LEBLANC | 1413 ODONNEL RD NEW IBERIA, LA 70560 | AFLAC | $55 | — | $55 | 0.06% |
| ROBERT WOERNER3 | 4000 GRANDE VISTA BLVD APT 124 ST. AUGUSTINE, FL 32084 | AFLAC | $55 | — | $55 | 0.06% |
| FRANK P ANDERSON & ASSOC INC3 Filed as: FRANK P. ANDERSON & ASSOC INC | 14286 BEACH BLVD STE 19 PMB 348 JACKSONVILLE, FL 32250 | AFLAC | $40 | — | $40 | 0.04% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 411 WALNUT ST #16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $38 | — | $38 | 0.04% |
| WAYNE MEARES3 | 2734 HOLLY POINT RD E ORANGE PARK, FL 32073 | AFLAC | $33 | — | $33 | 0.04% |
| RYAN SCOTT SHADEL3 Filed as: RYAN SHADEL | 4801 GLENWOOD AVE STE 200 RALEIGH, NC 27612 | AFLAC | $22 | $9 | $31 | 0.03% |
| JERRY WORLEY3 | 6 DORSET A BOCA RATON, FL 33434 | AFLAC | $29 | — | $29 | 0.03% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $27 | — | $27 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $24 | — | $24 | 0.03% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $20 | — | $20 | 0.02% |
| MARIE MICHELE HASKELL3 Filed as: MARIE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $20 | — | $20 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 3683 W. LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $17 | — | $17 | 0.02% |
| CECIL SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $14 | — | $14 | 0.02% |
| ALGERINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $13 | — | $13 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $11 | — | $11 | 0.01% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $10 | — | $10 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.01% |
| JOSE ANSELMO QUINTERO JR3 Filed as: JOSE QUINTERO JR | 3924 CAMBAY PL JACKSONVILLE, FL 32210 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERRT CUNDIFF3 | 8508 FERNDALE RD LOUISVILLE, KY 40291 | AFLAC | $6 | — | $6 | 0.01% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.01% |
| BRANDON ADAMS3 | 106 SW 38TH ST GAINESVILLE, FL 32607 | AFLAC | $4 | — | $4 | 0.00% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $3 | — | $3 | 0.00% |
| PHILIP L GREEN3 Filed as: PHILIP GREEN | 276 BRIARWOOD LN PONTE VERDE BEACH, FL 32082 | AFLAC | $3 | — | $3 | 0.00% |
| MARIE ADELINE QUINTERO3 Filed as: MARIE QUINTERO | 3924 CAMBAY PL JACKSONVILLE, FL 32210 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $2 | — | $2 | 0.00% |
| SETH O AKERS3 Filed as: SETH AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $2 | — | $2 | 0.00% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $2 | — | $2 | 0.00% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $2 | — | $2 | 0.00% |
| ASHLEY CROOK3 | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $2 | — | $2 | 0.00% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $1 | — | $1 | 0.00% |
| FIRST COMMUNITY FINANCIAL SVCS INC3 | 505 HAINES AVE WAYCROSS, GA 31501 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $0 | — | $0 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $0 | — | $0 | 0.00% |
| REBECCA J SMITH INC4 | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 14.67% |
| BROOKE B. WARD4 Filed as: BROOKE B WARD | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $78 | — | $78 | 1.04% |
| KATHLEEN DEANNE NORTON LLC4 | 6050 GREEN POND DR JACKSVONVILLE, FL 32258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $64 | — | $64 | 0.85% |
| LIVING LEGACY BENEFITS GROUP LLC4 Filed as: LIVING LEGACY BENEFITS GROUP, LLC | 11701 PALM LAKE DR APT 122 JACKSONVILLE, FL 32218 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.35% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 616 | $3.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 616 | $3.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 616 | $3.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $172K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $172K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $172K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.