| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $99K | $100K | 4.69% |
| BENECOM CORPORATION3 | 20620 NOLEN RD. LAND O LAKES, FL 34638 | AFLAC | $17K | $36 | $17K | 15.33% |
| WILLIAM R REGISTER3 | PO BOX 2386 THOMASVILLE, GA 31799 | AFLAC | $496 | — | $496 | 0.44% |
| MARGARET L MOODY3 | 1904 MICCOSUKEE RD APT 19 TALLAHASSEE, FL 32308 | AFLAC | $410 | — | $410 | 0.36% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DRIVE OLDSMAR, FL 34677 | AFLAC | $377 | $10 | $387 | 0.34% |
| MERIDETH K SCHAEFFER3 | 1011 HARBERT STREET TALLAHASSEE, FL 32303 | AFLAC | $287 | — | $287 | 0.25% |
| CLIFFORD BRUCE ESKEW JR3 | 13920 58TH STREET NORTH SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $275 | $10 | $285 | 0.25% |
| TRICIA SHEA MARINKO3 | 3 SWEETBRIER LN. MONROE, CT 06468 | AFLAC | $223 | — | $223 | 0.20% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $186 | — | $186 | 0.16% |
| TIFFANY KINDLE MILLER2 | 2291 HANNAH WAY N DUNEDIN, FL 34698 | AFLAC | $149 | — | $149 | 0.13% |
| AMBER DAWN HOADLEY3 | 6014 FRENCH CREEK CT ELLENTON, FL 34222 | AFLAC | $141 | — | $141 | 0.12% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $134 | — | $134 | 0.12% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE SUITE 1104 CLEARMONT, FL 33762 | AFLAC | $128 | — | $128 | 0.11% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN RD SUITE 322 DANBURY, CT 06811 | AFLAC | $84 | — | $84 | 0.07% |
| ROBERT L TRAPNELL JR3 | 19 N INDIAN RIVER DR APT 701 COCOA, FL 32922 | AFLAC | $79 | — | $79 | 0.07% |
| TRAVIS B MOREHEAD3 | PO BOX 203 BROOKSVILLE, FL 34655 | AFLAC | $70 | — | $70 | 0.06% |
| MEGHAN E MINNEHAN3 | 4500 GULF OF MEXICO DR. UNIT 201 LONGBOAT KEY, FL 34228 | AFLAC | $67 | — | $67 | 0.06% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $67 | — | $67 | 0.06% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $65 | — | $65 | 0.06% |
| JENNIFER B MOREHEAD3 | 13412 WHITBY RD HUDSON, FL 34667 | AFLAC | $59 | — | $59 | 0.05% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $56 | — | $56 | 0.05% |
| DANIEL C HARRIS3 | 900 OAKSIDE LN PITTSBURCH, PA 15229 | AFLAC | $51 | — | $51 | 0.04% |
| JAMIE CARLONE LEESMAN3 | 7933 HAMPTON LAKE DRIVE TAMPA, FL 33647 | AFLAC | $46 | — | $46 | 0.04% |
| ROGER MAGILL3 | 19170 AVIATION CT PORT CHARLOTTE, FL 33948 | AFLAC | $45 | — | $45 | 0.04% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVE. SUITE 103 NORWALK, CT 06854 | AFLAC | $44 | — | $44 | 0.04% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $37 | — | $37 | 0.03% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $30 | — | $30 | 0.03% |
| MELODY ANN OVERLAND3 | 351 GATOR CT SE LACEY, WA 98503 | AFLAC | $26 | — | $26 | 0.02% |
| CRAIG A HANSEN3 | 200 17TH AVE E APT 404 SEATTLE, WA 98112 | AFLAC | $25 | — | $25 | 0.02% |
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $23 | — | $23 | 0.02% |
| ROBERT P FERRONE3 Filed as: ROBERT P PERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $23 | — | $23 | 0.02% |
| DEBRA W KNIGHT3 | 4715 HIGHGROVE RD TALLAHASSEE, FL 32309 | AFLAC | $21 | — | $21 | 0.02% |
| BRADLEY J SHATTUCK3 | 20620 NOLEN RD LAND O LAKES, FL 34638 | AFLAC | $20 | — | $20 | 0.02% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS GROUP CORP | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $16 | — | $16 | 0.01% |
| THOMAS A HOUSE3 | 14055 46TH ST N SUITE 1104 CLEARWATER, FL 33762 | AFLAC | $15 | — | $15 | 0.01% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $14 | — | $14 | 0.01% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $12 | — | $12 | 0.01% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY GLEN YARSH | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $12 | — | $12 | 0.01% |
| JANINE FOX3 | 5603 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $11 | — | $11 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $9 | — | $9 | 0.01% |
| GSL MARKETING INC3 | 14260 W NEWBERRY ROAD #336 NEWBERRY, FL 32669 | AFLAC | $8 | — | $8 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $7 | — | $7 | 0.01% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $7 | — | $7 | 0.01% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $6 | — | $6 | 0.01% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER B MOOREHEAD | 312 15TH AVE NE SAINT PETERSBURG, FL 33704 | AFLAC | $6 | — | $6 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $6 | — | $6 | 0.01% |
| ELLEN D JAMES3 | 3831 MISTY LANDING DR VALRICO, FL 33594 | AFLAC | $5 | — | $5 | 0.00% |
| EMILIO JAY DIAZ3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $4 | — | $4 | 0.00% |
| KIMBERLY DIAN CROCKETT3 | 732 SILVER SANDS DR CORDOVA, TN 38018 | AFLAC | $4 | — | $4 | 0.00% |
| THOMAS A HOUSE3 | 2133 QUAIL HOLLOW DR BRUNSWICK, OH 44212 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTIAN PAUL VIRZI3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $3 | — | $3 | 0.00% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| GSL MARKETING INC3 | 14260 W NEWBERRY RD 336 NEWBERRY, FL 32669 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING NC | PO BOX 905494 CHARLOTTE, NC 28290 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 11.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 5.51% |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 534 | $2.1M |
| Vision | VISION SERVICE PLAN | 261 | $20K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $55K |
| Other(2 contracts, 2 carriers) | AFLAC | 415 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
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.