| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL TRUST INSURANCE, INC.3 | 2965 ALT HWY 19 PALM HARBOR, FL 346831907 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 5.01% |
| DARRELL STANLEY BRANDIMORE3 | 1720 BRIGHTWATERS BLVD NE ST. PETERSBURG, FL 33704 | AFLAC | $10K | $388 | $10K | 13.49% |
| AMEEN AL AMEEN3 Filed as: AMEEN M AL AMEEN | 20051 SATIN LEAF AVENUE TAMPA, FL 33647 | AFLAC | $1K | — | $1K | 1.71% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S. AXENTE | 8313 W. HILLSBORO AVE STE 150 TAMPA, FL 33615 | AFLAC | $979 | $6 | $985 | 1.30% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH & ASSOCIATES, INC. | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $847 | $71 | $918 | 1.22% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 1300 SHETTER AVE APT 4202 JACKSONVILLE BEACH, FL 32250 | AFLAC | $633 | $77 | $710 | 0.94% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | 155 CYPRESS LANE - SUITE 525 OLDSMAR, FL 34677 | AFLAC | $437 | $77 | $514 | 0.68% |
| RAVONE MARVELLE GRAHAM3 | 4621 BRIARHILL DRIVE YORBA LINDA, CA 92886 | AFLAC | $448 | — | $448 | 0.59% |
| BETH LUANNE KIMBROUGH3 | 6750 N. ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $273 | — | $273 | 0.36% |
| BRUCE A. DAVIS & ASSOC., INC.3 | 7722 STATE ROAD 544 E. - STE 215 WINTER HAVEN, FL 338819570 | AMERITAS LIFE INSURANCE CORP. | $6K | $133 | $6K | 10.24% |
| BRUCE A. DAVIS & ASSOC., INC.3 Filed as: BRUCE A. DAVIS & ASSOCIATES | 7722 STATE ROAD 544 WINTER HAVEN, FL 33881 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| TRULA A. DONLEY3 | 7722 STATE ROAD 544 STE 215 WINTER HAVEN, FL 338819570 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $775 | — | $775 | 11.53% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $336 | — | $336 | 5.00% |
| BRUCE A. DAVIS & ASSOC., INC.3 Filed as: BRUCE A DAVIS & ASSOC. INC. | P.O. BOX 622 HAINES CITY, FL 33845 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $233 | — | $233 | 3.47% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 175 | $769K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 193 | $55K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 193 | $55K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 149 | $25K |
| Short-term disability | AFLAC | 115 | $76K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 115 | $82K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 149 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.