| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2965 ALT HWY 19 PALM HARBOR, FL 346831907 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $49K | — | $49K | 13.11% |
| BRUCE A. DAVIS & ASSOC., INC.3 | 7722 STATE ROAD 544 E. - STE 215 WINTER HAVEN, FL 338819570 | AMERITUS LIFE INSURANCE CORP. | $8K | $391 | $8K | 10.51% |
| DARRELL STANLEY BRANDIMORE3 | 1720 BRIGHTWATERS BLVD NE ST. PETERSBURG, FL 33704 | AFLAC | $7K | $33 | $7K | 10.45% |
| CARLA LOOPER3 | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | AFLAC | $873 | — | $873 | 1.29% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTH PORT, AL 35476 | AFLAC | $598 | — | $598 | 0.88% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH & ASSOCIATES, INC. | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $489 | — | $489 | 0.72% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34577 | AFLAC | $364 | $7 | $371 | 0.55% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S. AXENTE | 500 N WEST SHORE BLVD. - STE 1015 TAMPA, FL 33609 | AFLAC | $343 | $7 | $350 | 0.52% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 120 PROVIDENCE TRL APT 1200 MT. JULIET, TN 37122 | AFLAC | $292 | — | $292 | 0.43% |
| RAVONE MARVELLE GRAHAM3 | 1020 VISTA DEL CERRO DR 205 CORONA, CA 92879 | AFLAC | $251 | — | $251 | 0.37% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | 3921 CAPE SAN BLAS ROAD PORT SAINT JOE, FL 32456 | AFLAC | $212 | — | $212 | 0.31% |
| AMEEN AL AMEEN3 Filed as: AMEEN M AL AMEEN | 20430 CAROLINA CHERRY COURT TAMPA, FL 33647 | AFLAC | $206 | — | $206 | 0.30% |
| BETH LUANNE KIMBROUGH3 | 6750 N. ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $179 | — | $179 | 0.26% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $37 | — | $37 | 0.05% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LANE ODESSA, FL 33556 | AFLAC | $15 | — | $15 | 0.02% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVENUE LUTZ, FL 33559 | AFLAC | $14 | — | $14 | 0.02% |
| MARY REBECCA WEATHERLY3 | 1934 E. LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $10 | — | $10 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE R. WEAVER III | 106 FOUNTAIN DRIVE SLIDELL, LA 70458 | AFLAC | $6 | — | $6 | 0.01% |
| BRUCE A. DAVIS & ASSOC., INC.3 | P.O. BOX 622 HAINES CITY, FL 33845 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| 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 | $1K | — | $1K | 15.01% |
| 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 | $657 | — | $657 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 | Claims processing Service code 12 | — | $6K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 104 | $373K |
| Dental | AMERITUS LIFE INSURANCE CORP. | 198 | $77K |
| Vision | AMERITUS LIFE INSURANCE CORP. | 198 | $77K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $26K |
| Short-term disability | AFLAC | 103 | $68K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 103 | $72K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.