| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON INS & FINANCIAL SERV3 Filed as: THOMPSON INSURANCE & FINANCIAL SERV | 2233 LEE ROAD - SUITE 209A WINTER PARK, FL 32789 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $50K | — | $50K | 13.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 2233 LEE ROAD - SUITE 204 WINTER PARK, FL 32789 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $19K | $19K | 5.06% |
| ACRISURE LLC3 | 2965 ALT HWY 19 PALM HARBOR, FL 346831907 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $2K | — | $2K | 0.57% |
| DARRELL STANLEY BRANDIMORE3 | 1720 BRIGHTWATERS BLVD NE ST. PETERSBURG, FL 33704 | AFLAC | $9K | $27 | $9K | 10.69% |
| CARLA LOOPER3 Filed as: CARLA L. LOOPER | 23363 JACOBSON ROAD BROOKSVILLE, FL 34601 | AFLAC | $2K | $5 | $2K | 1.97% |
| MATTHEW SHANE STRONG3 | 5628 SKINNER DRIVE APOLLO BEACH, FL 33572 | AFLAC | $808 | — | $808 | 0.93% |
| KRYSTINA S EBERHART3 Filed as: KRYSTINA S. EBERHART | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $335 | — | $335 | 0.39% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $313 | — | $313 | 0.36% |
| RAVONE MARVELLE GRAHAM3 | 23972 OLD POMEGRANATE ROAD YORBA LINDA, CA 92887 | AFLAC | $297 | — | $297 | 0.34% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 120 PROVIDENCE TRL APT 1200 MT. JULIET, TN 37122 | AFLAC | $295 | — | $295 | 0.34% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $288 | — | $288 | 0.33% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTH PORT, AL 35476 | AFLAC | $282 | $5 | $287 | 0.33% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | P.O. BOX 336 SMITHS STATION, AL 36877 | AFLAC | $239 | — | $239 | 0.28% |
| BETH LUANNE KIMBROUGH3 | 6750 N. ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $194 | — | $194 | 0.22% |
| BANYASH & ASSOCIATES INC3 Filed as: BANYASH & ASSOCIATES, INC. | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $174 | — | $174 | 0.20% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $41 | — | $41 | 0.05% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LANE ODESSA, FL 33556 | AFLAC | $14 | — | $14 | 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 | $5 | — | $5 | 0.01% |
| BRUCE A. DAVIS & ASSOC., INC.3 | P.O. BOX 622 HAINES CITY, FL 33845 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| 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 | P.O. BOX 622 HAINES CITY, FL 33845 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $998 | — | $998 | 10.00% |
| 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 | 15.00% |
| 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 | $719 | — | $719 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation 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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 111 | $383K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $60K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $10K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $28K |
| Short-term disability | AFLAC | 135 | $87K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 135 | $92K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
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.