| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $664 | $48K | 5.07% |
| LOOPER INS AGENCY LLC3 Filed as: LOOPER INSURANCE AGENCY, LLC | 704 PONCE DE LEON BOULEVARD BROOKSVILLE, FL 34601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $337 | $337 | 0.34% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.02% |
| LOOPER INS AGENCY LLC3 Filed as: LOOPER INSURANCE AGENCY, LLC | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.47% |
| KRYSTYN BALDWIN SHERMAN3 Filed as: KRYSTYN SHERMAN BALDWIN | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $397 | $0 | $397 | 1.83% |
| EXCALIBUR FINANCIAL GROUP3 | 4830 WEST KENNEDY BOULEVARD SUITE 550 TAMPA, FL 33609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | $0 | $346 | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | PRINCIPAL LIFE INSURANCE COMPANY | $688 | $0 | $688 | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $206 | $206 | 3.00% |
| CARLA LOOPER3 Filed as: CARLA L. LOOPER | 704 PONCE DE LEON BOULEVARD BROOKSVILLE, FL 34601 | AFLAC | $476 | $0 | $476 | 7.82% |
| RICHARD P MACKIEWICZ3 Filed as: RICHARD P. MACKIEWICZ | 11477 SHEFFIELD ROAD SPRING HILL, FL 34608 | AFLAC | $229 | $0 | $229 | 3.76% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $106 | $0 | $106 | 1.74% |
| MATTHEW SMITH3 Filed as: MATTHEW A. SMITH | 8805 SW 9TH STREET ROAD OCALA, FL 34481 | AFLAC | $42 | $0 | $42 | 0.69% |
| MARGARET A SMITH3 Filed as: MARGARET A. SMITH | 1109 WEST PARK AVENUE VALDOSTA, GA 31602 | AFLAC | $23 | $0 | $23 | 0.38% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER W. GRAHAM | 2 CHASE CORPORATE DRIVE, SUITE 140 HOOVER, AL 35244 | AFLAC | $15 | $0 | $15 | 0.25% |
| MJ INSURANCE3 Filed as: AIMEE BRANDON AND VARIOUS AGENTS | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $14 | $0 | $14 | 0.23% |
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 | 69 | 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) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $940K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $98K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $98K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.