| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | — | $90K | $90K | 11.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INS COMP | $1K | — | $1K | 0.67% |
| SHARON LYNN SMITH3 | 3139 CONRAD CT KISSIMMEE, FL 34744 | AFLAC | $7K | $170 | $7K | 5.11% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $2K | $40 | $2K | 1.45% |
| ALEXANDER L SMITH3 | 3139 CONRAD CT KISSIMMEE, FL 34744 | AFLAC | $1K | — | $1K | 0.88% |
| BARRY BEVERLY3 | PO BOX 408 HEBER CITY, UT 84032 | AFLAC | $1K | — | $1K | 0.86% |
| NEENA W BEVERLY3 | PO BOX 408 HEBER CITY, UT 84032 | AFLAC | $750 | — | $750 | 0.55% |
| GEORGE EIDSON AGENCY INC3 | PO BOX 540209 ORLANDO, FL 32854 | AFLAC | $722 | — | $722 | 0.53% |
| BARBARA S HERMES3 | 156 PRAIRIE DUNE WAY ORLANDO, FL 32828 | AFLAC | $624 | — | $624 | 0.46% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $562 | — | $562 | 0.41% |
| DIXON & DIXON ENTERPRISES INC3 | 113 STANTON ESTATES CIR WINTER GARDEN, FL 34787 | AFLAC | $518 | — | $518 | 0.38% |
| CAMERON JOHN JACOB3 | 5560 CENTURY 21 BLVD APT 141 ORLANDO, FL 32807 | AFLAC | $489 | — | $489 | 0.36% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR, APT 705 COCOA, FL 32922 | AFLAC | $383 | — | $383 | 0.28% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $295 | — | $295 | 0.22% |
| LISA D ALLEN3 | 5136 SAINY MARYS RD COLUMBUS, GA 31907 | AFLAC | $217 | — | $217 | 0.16% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $182 | — | $182 | 0.13% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $136 | — | $136 | 0.10% |
| SHANNON SPRADLING3 | 7625 AGAWAM RD SEBASTIAN, FL 32976 | AFLAC | $131 | — | $131 | 0.10% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $126 | — | $126 | 0.09% |
| SUSAN R MAYER3 | 644 LONGMEADOW CIR LONGWOOD, FL 32779 | AFLAC | $107 | — | $107 | 0.08% |
| MEGAN TARPEY3 | 7737 CASASIA CT ORLANDO, FL 32835 | AFLAC | $104 | — | $104 | 0.08% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $81 | — | $81 | 0.06% |
| GQ FLORIDA GROUP INC3 | 3203 S WASHINGTON AVE UNIT 902A TITUSVILLE, FL 32780 | AFLAC | $74 | — | $74 | 0.05% |
| MARIA V. LANZA3 Filed as: MARIA C LEGARDA | 3225 SCALLION CT ORLANDO, FL 32825 | AFLAC | $73 | — | $73 | 0.05% |
| DANA BROOKS SMITH3 | 310 E 5TH ST SAINT CLOUD, FL 34769 | AFLAC | $66 | — | $66 | 0.05% |
| JAMES R YOUNG3 | 5330 CLARK RD SARASOTA, FL 34233 | AFLAC | $64 | — | $64 | 0.05% |
| JEWELL A CURRY3 | 2097 LAS PALMAS CIR ORLANDO, FL 32822 | AFLAC | $58 | — | $58 | 0.04% |
| DAVIDSON WALLACE3 | 707 SUNBURST COVE LN WINTER GARDEN, FL 34787 | AFLAC | $52 | — | $52 | 0.04% |
| MICHAEL W THOMPSON3 | 30010 DONNINGTON LOOP MOUNT DORA, FL 32757 | AFLAC | $50 | — | $50 | 0.04% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $49 | — | $49 | 0.04% |
| PATRICK B SILVA3 | 302 NORTHLAKE BLVD UNIT 325 ALTAMONTE SPRINGS, FL 32701 | AFLAC | $45 | — | $45 | 0.03% |
| AMBER BRANSTETTER3 | 3318 COUNTRYSIDE VIEW DR SAINT CLOUD, FL 34772 | AFLAC | $39 | — | $39 | 0.03% |
| LEE L EURE3 | 724 E 49TH ST, APT C SAVANNAH, GA 31405 | AFLAC | $37 | — | $37 | 0.03% |
| SUZETTE SOSSONG3 | 9828 MORNINGSIDE DR LEESBURG, FL 34788 | AFLAC | $34 | — | $34 | 0.02% |
| THE MASTERS AGENCY INC3 | 4192 PENINSULA PT SANFORD, FL 32771 | AFLAC | $30 | — | $30 | 0.02% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $28 | — | $28 | 0.02% |
| AMY C JANTZER3 | 1401 CATALINA LEANDER, TX 78641 | AFLAC | $26 | — | $26 | 0.02% |
| SCOTT D HAWKINS INC3 | 3216 MEDICI BLVD NEW SMYRNA, FL 32168 | AFLAC | $18 | — | $18 | 0.01% |
| MORRIS P HUNT3 | 2620 RED SKY CT BURLINGTON, KY 41005 | AFLAC | $18 | — | $18 | 0.01% |
| DEBRA L DENNIS3 | 502 ORANGE DR, APT 12 ALTAMONTE SPRINGS, FL 32701 | AFLAC | $17 | — | $17 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $17 | — | $17 | 0.01% |
| BLAINE BATES3 | 15523 LAKE BURNETT SHORE CT WINTER GARDEN, FL 34787 | AFLAC | $17 | — | $17 | 0.01% |
| PAUL C BLACK3 | 7623 LODGE POLE TRL WINTER PARK, FL 32792 | AFLAC | $17 | — | $17 | 0.01% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $14 | — | $14 | 0.01% |
| NANCY CLIFTON3 | 184 VILLA DI ESTE TER, UNIT 112 LAKE MARY, FL 32746 | AFLAC | $11 | — | $11 | 0.01% |
| JEANNE L COKER3 | 734 CHEROKEE RD LAGRANGE, GA 30240 | AFLAC | $9 | — | $9 | 0.01% |
| A & M BONURA & ASSOCIATES INC3 | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $9 | — | $9 | 0.01% |
| RUBICON REGION LLC3 | 1862 KEYSTONE PL SCHAUMBURG, IL 60193 | AFLAC | $9 | — | $9 | 0.01% |
| MARK HENDRYX3 | PO BOX 3274 GRAND JUNCTION, CO 81502 | AFLAC | $9 | — | $9 | 0.01% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $8 | — | $8 | 0.01% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $8 | — | $8 | 0.01% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $7 | — | $7 | 0.01% |
| DEBORAH M DECHER3 | 4669 GARDEN DR OXFORD, FL 34484 | AFLAC | $7 | — | $7 | 0.01% |
| SPECIALIZED BENEFIT ADVISORS LLC3 | 5224 W STATE ROAD 46 PMB 317 SANFORD, FL 32771 | AFLAC | $7 | — | $7 | 0.01% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $6 | — | $6 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $5 | — | $5 | 0.00% |
| LAWRENCE GANSER3 | 1056 DISHMAN LOOP OVIEDO, FL 32765 | AFLAC | $5 | — | $5 | 0.00% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $5 | — | $5 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DR, STE 1210 MIAMI, FL 33131 | AFLAC | $4 | — | $4 | 0.00% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $3 | — | $3 | 0.00% |
| JOYCE WEBER ENTERPRISES INC3 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $3 | — | $3 | 0.00% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIE MOORE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $1 | — | $1 | 0.00% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| TERESA A RUCKER3 | 6248 BORDEAUX CIR SANFORD, FL 32771 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, INC. EIN 16-1264154 CONTRACT ADMINISTRATOR | Other fees; Contract Administrator; Claims processing Service code 12 | — | $195K |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 306 | $761K |
| Dental | CIGNA HEALTH AND LIFE INS COMP | 226 | $150K |
| Vision | CIGNA HEALTH AND LIFE INS COMP | 226 | $150K |
| Life insurance | STANDARD INSURANCE COMPANY | 334 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 334 | $71K |
| Long-term disability | STANDARD INSURANCE COMPANY | 334 | $34K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 306 | $761K |
| Other(2 contracts, 2 carriers) | AFLAC | 334 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
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.