| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 32501 | BLUE CROSS BLUE SHIELD OF FLORIDA | $31K | $0 | $31K | 4.00% |
| RODNEY RICH & COMPANY3 | 300 N TARRAGONA ST PENSACOLA, FL 325014859 | FLORIDA COMBINED LIFE | $6K | — | $6K | 12.29% |
| FLORIDA BLUE3 Filed as: JOHNSON-HILLIARD, GWEN FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $495 | — | $495 | 1.01% |
| FLORIDA BLUE3 Filed as: STEVENS, JOHN FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $303 | — | $303 | 0.62% |
| DIGITAL INSURANCE LLC3 | 300 NORTH TARRAGONA STREET PENSACOLA, FL 32501 | GUARDIAN | $6K | — | $6K | 14.16% |
| NORTH FLORIDA FINANCIAL CORPOR3 | 3664 COOLIDGE COURT TALLAHASSEE, FL 32311 | GUARDIAN | $220 | — | $220 | 0.50% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 20.61% |
| D&C BENEFIT SOLUTIONS LLC3 Filed as: D&C BENEFIT SOLUTIONS, LLC | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 15.46% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.29% |
| CHERYL E GREEN3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | — | $369 | 2.83% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.51% |
| WILLIAM RICHARD KYZER3 | 8211 GPRDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| CHARLES A ANDREWS3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950, 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPNAY OF AMERICA | $1K | — | $1K | 15.01% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $426 | — | $426 | 17.68% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $319 | — | $319 | 13.24% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 4.61% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | 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 | $777K |
| Dental | FLORIDA COMBINED LIFE | 80 | $49K |
| Vision | GUARDIAN | 113 | $44K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 113 | $88K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN | 113 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $777K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 113 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.