| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS ,LLC | 200 GALLERIA PARKWAY STE500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.40% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS ,LLC | 15301 DALLAS PKWY STE 400 ADDISON, TX 75001 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 3.64% |
| WILLIAM AND HOLLY BUTCHER INC3 | 3000 LANGLEY AVE STE 402 PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $119 | — | $119 | 0.36% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS ,LLC | 15301 DALLAS PKWY STE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 14.48% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS ,LLC | 15301 DALLAS PARKWAY SUITE 5400 ADDISON, TX 75001 | HEALTH OPTIONS | $341 | — | $341 | 3.60% |
| WILLIAM AND HOLLY BUTCHER INC3 Filed as: WILLIAM AND HOLY BUTCHER INC | 3000 LANGLEY AVE STE 402 PENSACOLA, FL 32504 | HEALTH OPTIONS | $38 | — | $38 | 0.40% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $385 | — | $385 | 4.56% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 2.45% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 2.29% |
| O NEIL KEVIN3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 1.52% |
| SUGGS PATRICIAANNE3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.14% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| KIMBALL CHARLES FII3 | 13388 LILLIAN HWY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| SAPP CECILIA DAWN3 | 1117 N9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NOTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| BLUEWATER INS OF PENSACOLA LLC3 Filed as: BLUEWATER INS OF PANSACOLA LLC | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 1.90% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 1.82% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 1.21% |
| O NEIL KEVIN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.96% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.70% |
| SUGGS PATRICIAANNE3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.21% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| O NEIL KEVIN3 | 5890 W CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| KIMBALL CHARLES FII3 Filed as: KIMBALL CHARLES F II | 13388 LILIAN HWY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS ,LLC | 15301 DALLAS PARKWAY STE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 14.24% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $400 | — | $400 | 6.07% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6161 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $294 | — | $294 | 4.46% |
| D&C BENEFIT SOLUTION LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 3.31% |
| O NEIL KEVIN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $186 | — | $186 | 2.82% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.88% |
| SUGGS PATRICIAANNE3 Filed as: SUGGS PATRICIAANE | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSOCOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| STRAIGHTFORWARD INS SOLUTIONS3 | 4990 NORTH W STREET PENSOCOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| KIMBALL CHARLES FII3 Filed as: KIMBALL CHARLES F II | 13388 LILLIAN HWY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| BRIGHTLINE DEALER ADVISORS, LLC3 Filed as: BRIGHTLINE DEALER ADVISORS LLC | 15301 DALLAS PARKWAY STE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $658 | — | $658 | 10.79% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $410 | — | $410 | 6.81% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $277 | — | $277 | 4.60% |
| O NEIL KEVIN3 | 1117 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 3.62% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 2.61% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.38% |
| SUGGS PATRICIAANNE3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.18% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| KIMBALL CHARLES FII3 | 13388 LILLIAN HWY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| CHERYL E GREEN3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 5.49% |
| CHARLES A ANDREWS3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.33% |
| DON FENNELL3 | 13659 QUNEES HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.21% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LN HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.18% |
| MICAHEL A DUARTE3 | 515 DULL ST DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD STE 102 DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.12% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 3.45% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 2.68% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.96% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.96% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.80% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.32% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 4.77% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 3.47% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.08% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 65 | $41K |
| Vision | STANDARD INSURANCE COMPANY | 59 | $6K |
| Life insurance(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 107 | $40K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 16 | $7K |
| Prescription drug | HEALTH OPTIONS | 40 | $9K |
| Other(6 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.