| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 370275288 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 3.35% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 0.65% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS INC. | 7003 CHADWICK RD STE 110 BRENTWOOD, TN 37027 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 4.56% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L RICH AND COMPANY INC | 300 N TARRAGONA STREET PENSACOLA, FL 325014859 | AMERITAS LIFE INSURANCE CORP. | $197 | — | $197 | 0.44% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPNAY OF AMERICA | $4K | — | $4K | 10.89% |
| RODNEY RICH & COMPANY3 Filed as: RODNEY RICH & COMPANY INC. | 300 N TARRAGONA STREET PENSACOLA, FL 32501 | UNUM LIFE INSURANCE COMPNAY OF AMERICA | $294 | — | $294 | 0.85% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY ANDREWS | 7003 CHADWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2K | — | $2K | 11.36% |
| CHERYL E GREEN3 Filed as: CHERYL GREEN | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $565 | — | $565 | 2.68% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $365 | $40 | $405 | 1.92% |
| WILLIAM RICHARD KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $23 | — | $23 | 0.11% |
| CHARLES A ANDREWS3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $13 | — | $13 | 0.06% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $11 | — | $11 | 0.05% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | — | $6 | 0.03% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | — | $4 | 0.02% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.01% |
| CHERYL E GREEN3 | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.29% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 100 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $509 | — | $509 | 7.55% |
| RODNEY RICH & COMPANY3 Filed as: RODNEY RICH & CO. | 300 N TARRAGONA ST PENSACOLA, FL 32501 | VISION SERVICE PLAN | $78 | — | $78 | 1.16% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 7003 CHADWICK DR STE 110 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $887 | — | $887 | 13.81% |
| RODNEY RICH & COMPANY3 Filed as: RODNEY RICH & COMPANY INC. | 300 N TARRAGONA STREET PENSACOLA, FL 32501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 1.20% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| D&C BENEFIT SOLUTIONS LLC3 Filed as: D&C BENEFIT SOLUTIONS, LLC | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.75% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $496 | — | $496 | 8.13% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 19.51% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 14.59% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 5.38% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $745K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 154 | $45K |
| Vision | VISION SERVICE PLAN | 70 | $7K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 119 | $76K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE CO | 23 | $21K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 119 | $41K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPNAY OF AMERICA | 119 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.