| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TWIN RIVERS INSURANCE INC3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | HEALTH FIRST HEALTH PLANS, INC. | $48K | — | $48K | 4.00% |
| TWIN RIVERS INSURANCE INC3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | HEALTH FIRST INSURANCE, INC. | $5K | — | $5K | 4.00% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE, SUITE 101 SATELLITE BEACH, FL 32901 | GUARDIAN | $7K | — | $7K | 7.74% |
| CINDY M WOOTEN3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $961 | — | $961 | 4.53% |
| MICHAEL S WITHROW3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $679 | — | $679 | 3.20% |
| TWIN RIVERS INSURANCE INC | 306 EAST NEW HAVEN AVENUE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | — | $503 | 2.37% |
| EDITH MAXWELL3 | 395 NORMANDY DR INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | — | $297 | 1.40% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.95% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 156 TUSKAWILLA RD SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.51% |
| LESLIE K KIMBROUGH3 | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.12% |
| TEAM HANLEY LLC | 3621 CONROY RD 737 ORLANDO, FL 32839 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.08% |
| EDITH MAXWELL3 | 395 NORMANDY DR INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| DCB ADVISORS INC.3 Filed as: DCB ADVISORS INC | 3205 JERRY SMITH RD DOVER, FL 33527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| REILLY & ASSOCIATES, INC.3 Filed as: REILLY & ASSOCIATES INC | PO BOX 300612 FERN PARK, FL 32730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CINDY M WOOTEN3 | 730 E STRAWBRIDGE AVE, STE 101 MELBOURNE, FL 32901 | AFLAC | $873 | $7 | $880 | 7.80% |
| CHRISTY COOVERT | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | AFLAC | $238 | — | $238 | 2.11% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $195 | $2 | $197 | 1.75% |
| ELIZABETH ANN FIFFIE | 1220 MARQUISE CT UNIT G1 ROCKLEDGE, FL 32955 | AFLAC | $180 | $2 | $182 | 1.61% |
| EDITH L MAXWELL3 | 730 E STRAWBRIDGE AVE. 104 MELBOURNE, FL 32901 | AFLAC | $173 | — | $173 | 1.53% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $114 | — | $114 | 1.01% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE. STE 101 MELBOURNE, FL 32903 | AFLAC | $81 | — | $81 | 0.72% |
| EDITH L MAXWELL3 | 730 E STRAWBRIDGE AVE. 101 MELBOURNE, FL 32901 | AFLAC | $73 | $4 | $77 | 0.68% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE STE 201 BIRMINGHAM, AL 35243 | AFLAC | $32 | — | $32 | 0.28% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $11 | $2 | $13 | 0.12% |
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CHARLES NEWKERK3 | 74 N PALM WAY ROCKLEDGE, FL 32955 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 3.09% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.35% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.34% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| TWIN RIVERS INSURANCE INC4 Filed as: TWIN RIVERS INSURANCE INC. | 730 E STRAWBRIDGE AVE MELBOURNE, FL 32901 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 19.62% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 147 | $1.3M |
| Dental | GUARDIAN | 135 | $91K |
| Vision | HUMANA INSURANCE COMPANY | 71 | $11K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 135 | $101K |
| Short-term disability | AFLAC | 35 | $11K |
| Long-term disability | GUARDIAN | 135 | $91K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 104 | $1.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 135 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.