| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRELL STANLEY BRANDIMORE3 | 3701 18TH AVENUE NORTH ST. PETERSBURG, FL 33713 | AFLAC | $4K | $9 | $4K | 0.20% |
| MA SERENITY LLC3 | 101 S. OLD COACHMAN RD APT 424 CLEARWATER, FL 33765 | AFLAC | $1K | — | $1K | 0.06% |
| ASHLEY GADSON3 Filed as: ASHLEY R. GADSON | 435 FULTON ST NE APT 1 LARGO, FL 33771 | AFLAC | $811 | — | $811 | 0.05% |
| SARAH IRENE VELAZQUEZ3 | 101 S OLD COACHMAN RD APT 424 CLEARWATER, FL 33765 | AFLAC | $668 | $5 | $673 | 0.04% |
| JAMES MCGRATH3 Filed as: JAMES PITTNER | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $499 | $7 | $506 | 0.03% |
| CARLA LOOPER3 Filed as: CARLA L. LOOPER | 704 PONCE DE LEON BLVD. BROOKSVILLE, FL 34601 | AFLAC | $449 | — | $449 | 0.03% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOC., INC. | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $386 | — | $386 | 0.02% |
| SHANE DAVISON3 Filed as: SHANE CRAIG DAVIDSON | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $211 | — | $211 | 0.01% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRAIL FORT WORTH, TX 76137 | AFLAC | $177 | — | $177 | 0.01% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | P.O. BOX 8 LAKE PLACID, NY 12946 | AFLAC | $158 | — | $158 | 0.01% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $153 | — | $153 | 0.01% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $136 | — | $136 | 0.01% |
| BRANDY ANN HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $129 | — | $129 | 0.01% |
| MICHAEL K. SPEARS3 | 12895 90TH AVENUE SEMINOLE, FL 33776 | AFLAC | $105 | $12 | $117 | 0.01% |
| DAGMAR BENEDIK | 7001 142ND AVE LOT 334 LARGO, FL 33771 | AFLAC | $97 | — | $97 | 0.01% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER W. GRAHAM | 2 CHASE CORPORATE DR STE 460 HOOVER, AL 35244 | AFLAC | $86 | — | $86 | 0.00% |
| BRYON L GROVE3 Filed as: BRYON L. GROVE | 494 ORANGE STREET PALM HARBOR, FL 34683 | AFLAC | $84 | — | $84 | 0.00% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $27 | — | $27 | 0.00% |
| FRANCIS V CRUZ3 | P.O. BOX 302 BRADFORD WOODS, PA 15015 | AFLAC | $11 | — | $11 | 0.00% |
| HELEN MARIE GENITO3 | 3610 8TH AVENUE N. ST PETERSBURG, FL 33713 | AFLAC | $11 | — | $11 | 0.00% |
| JEFFREY GLENN YARISH3 | 8575 SUNSET COURT TREASURE ISLAND, FL 33706 | AFLAC | $9 | — | $9 | 0.00% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DRIVE MT WASHINGTON, KY 40047 | AFLAC | $6 | — | $6 | 0.00% |
| HORACE R WEAVER III3 Filed as: HORACE R. WEAVER III | 2512 GARDEN STREET MERAUX, LA 70075 | AFLAC | $4 | — | $4 | 0.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $66K | — | $66K | 13.90% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE CO. | $8K | — | $8K | 9.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $562 | $5K | 17.10% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $257 | $2K | 17.17% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $802 | $130 | $932 | 17.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $32K |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 164 | $2.3M |
| Dental(2 contracts, 2 carriers) | AFLAC | 115 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 115 | $85K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 143 | $1.8M |
| Short-term disability | AFLAC | 96 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10 | $5K |
| Other(3 contracts, 2 carriers) | AFLAC | 143 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.