| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON INS & FINANCIAL SERV3 Filed as: THOMPSON INSURANCE & FIN SERV | 2233 LEE ROAD STE 209-A WINTER PARK, FL 327891845 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $39K | — | $39K | 9.35% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH ST. STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $15K | $15K | 3.66% |
| THOMPSON INS & FINANCIAL SERV3 | 2211 LEE ROAD STE 212 WINTER PARK, FL 327891845 | CIGNA HEALTH AND LIFE INSURANCE CO. | $6K | — | $6K | 7.38% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $3K | $3K | 3.69% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE CO. | $2K | — | $2K | 2.50% |
| DARRELL STANLEY BRANDIMORE3 | 3701 18TH AVENUE NORTH ST. PETERSBURG, FL 33713 | AFLAC | $4K | — | $4K | 5.50% |
| MICHAEL K. SPEARS3 | 12895 90TH AVENUE SEMINOLE, FL 33776 | AFLAC | $1K | $12 | $1K | 1.82% |
| MA SERENITY LLC3 | 101 S. OLD COACHMAN RD APT 424 CLEARWATER, FL 33765 | AFLAC | $1K | — | $1K | 1.81% |
| JAMES MCGRATH3 Filed as: JAMES PITTNER | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $485 | — | $485 | 0.61% |
| CARLA LOOPER3 Filed as: CARLA L. LOOPER | 704 PONCE DE LEON BLVD. BROOKSVILLE, FL 34601 | AFLAC | $465 | — | $465 | 0.59% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOC., INC. | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $373 | — | $373 | 0.47% |
| DAGMAR BENEDIK3 | 7001 142ND AVE LOT 334 LARGO, FL 33771 | AFLAC | $301 | — | $301 | 0.38% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $211 | — | $211 | 0.27% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRAIL FORT WORTH, TX 76137 | AFLAC | $189 | — | $189 | 0.24% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | P.O. BOX 8 LAKE PLACID, NY 12946 | AFLAC | $156 | — | $156 | 0.20% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $147 | — | $147 | 0.19% |
| BETH LUANNE KIMBROUGH3 | 6750 N. ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $144 | — | $144 | 0.18% |
| BRANDY ANN HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $142 | — | $142 | 0.18% |
| GROVE FINANCIAL LLC3 | 494 ORANGE STREET PALM HARBOR, FL 34683 | AFLAC | $106 | — | $106 | 0.13% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER W. GRAHAM | 2 CHASE CORPORATE DR SUITE 140 HOOVER, AL 35244 | AFLAC | $100 | — | $100 | 0.13% |
| HELEN MARIE GENITO3 | 3610 8TH AVENUE NORTH ST. PETERSBURG, FL 33713 | AFLAC | $92 | — | $92 | 0.12% |
| BRYON L GROVE3 Filed as: BRYON L. GROVE | 11260 CHESTER RD STE 500 CINCICNNATI, OH 45246 | AFLAC | $40 | — | $40 | 0.05% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $28 | — | $28 | 0.04% |
| FRANCIS V CRUZ3 | P.O. BOX 302 BRADFORD WOODS, PA 15015 | AFLAC | $11 | — | $11 | 0.01% |
| JEFFREY GLENN YARISH3 | 8575 SUNSET COURT TREASURE ISLAND, FL 33706 | AFLAC | $9 | — | $9 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E. LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $7 | — | $7 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE R. WEAVER III | 2512 GARDEN STREET MERAUX, LA 70075 | AFLAC | $4 | — | $4 | 0.01% |
| BRUCE A. DAVIS & ASSOC., INC.3 | P.O. BOX 622 HAINES CITY, FL 33845 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $581 | — | $581 | 2.57% |
| 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 | 12.52% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $256 | — | $256 | 2.49% |
| 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 | $651 | — | $651 | 14.72% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $1K |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 157 | $412K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 107 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 107 | $79K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $33K |
| Short-term disability | AFLAC | 100 | $79K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 100 | $83K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.