| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | HEALTH FIRST HEALTH PLANS, INC. | $53K | — | $53K | 4.00% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE, SUITE 101 MELBOURNE, FL 32901 | GUARDIAN | $8K | — | $8K | 7.64% |
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | HEALTH FIRST HEALTH INSURANCE, INC. | $3K | — | $3K | 4.00% |
| CINDY M WOOTEN3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.01% |
| MICHAEL S WITHROW3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $769 | — | $769 | 2.97% |
| TWIN RIVERS INSURANCE INC3 | 306 EAST NEW HAVEN AVENUE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | — | $665 | 2.57% |
| EDITH MAXWELL3 | 395 NORMANDY DR INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | — | $365 | 1.41% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $211 | — | $211 | 0.81% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 156 TUSKAWILLA RD SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.46% |
| EDITH MAXWELL3 | 395 NORMANDY DR INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.40% |
| ELIZABETH FIFFIE3 | 1220 MARQUISE CT ROCKLEDGE, FL 32955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.21% |
| BRIAN WHITE3 Filed as: BRIAN M HANLEY | 2798 MERIDIAN DR 7 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| LESLIE K KIMBROUGH3 | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| 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% |
| REILLY & ASSOCIATES, INC.3 Filed as: REILLY & ASSOCIATES INC | PO BOX 300612 FERN PARK, FL 32730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CINDY M WOOTEN3 | 730 E STRAWBRIDGE AVE, STE 101 MELBOURNE, FL 32901 | AFLAC | $2K | $11 | $2K | 11.45% |
| EDITH L MAXWELL3 | 730 E STRAWBRIDGE AVE. 101 MELBOURNE, FL 32901 | AFLAC | $694 | $8 | $702 | 4.07% |
| ELIZABETH ANN FIFFIE3 | 1220 MARQUISE CT UNIT G1 ROCKLEDGE, FL 32955 | AFLAC | $649 | $2 | $651 | 3.77% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $516 | $4 | $520 | 3.01% |
| KELLY MORGAN CONWAY3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | AFLAC | $332 | — | $332 | 1.92% |
| EDITH L MAXWELL3 | 730 E STRAWBRIDGE AVE. 101 MELBOURNE, FL 32901 | AFLAC | $161 | — | $161 | 0.93% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $94 | — | $94 | 0.54% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE. STE 101 INDIALANTIC, FL 32903 | AFLAC | $59 | — | $59 | 0.34% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE STE 201 BIRMINGHAM, AL 35243 | AFLAC | $31 | — | $31 | 0.18% |
| CHRISTY COOVERT3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | AFLAC | $20 | — | $20 | 0.12% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $10 | — | $10 | 0.06% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | PO BOX 150804 ALTAMONTE SPRINGS, FL 32715 | AFLAC | $3 | — | $3 | 0.02% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.01% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.01% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 APT 208 SAN LUIS OBISPO, CA 93401 | AFLAC | $2 | — | $2 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIE MOORE HAWKINS3 | 3930 S NOVA RD STE 201 PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.01% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $1 | — | $1 | 0.01% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 111 DAUPHIN ST MOBILE, AL 36602 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 2798 MERIDIAN DR UNIT 7 GREENVILLE, NC 27834 | AFLAC | $1 | — | $1 | 0.01% |
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| CHARLES NEWKERK3 | 74 N PALM WAY ROCKLEDGE, FL 32955 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 3.45% |
| CTL SERVICES INC3 | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.46% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.36% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| TWIN RIVERS INSURANCE INC4 Filed as: TWIN RIVERS INSURANCE INC. | 730 E STRAWBRIDGE AVE MELBOURNE, FL 32901 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $315 | — | $315 | 8.48% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $292 | — | $292 | 7.86% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 163 | $1.4M |
| Dental | GUARDIAN | 137 | $100K |
| Vision | HUMANA INSURANCE COMPANY | 74 | $13K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 137 | $108K |
| Short-term disability | AFLAC | 43 | $17K |
| Long-term disability | GUARDIAN | 137 | $100K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 110 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 137 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.