| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE, INC | 730 E STRAWBRIDGE AVE 101 MELBOURNE, FL 32901 | HEALTH OPTIONS, INC | $81K | — | $81K | 6.00% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE, SUITE 101 MELBOURNE, FL 32901 | GUARDIAN | $4K | — | $4K | 5.26% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE AGENCY INC | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CINDY M WOOTEN3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $700 | — | $700 | 3.25% |
| MICHAEL S WITHROW3 | 1673 SAWGRASS DRIVE PALM BAY, FL 32908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $611 | — | $611 | 2.84% |
| TWIN RIVERS INSURANCE INC3 | 306 EAST NEW HAVEN AVENUE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 1.29% |
| EDITH MAXWELL3 | 395 NORMANDY DR INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 1.04% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.82% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 156 TUSKAWILLA RD SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.47% |
| ELIZABETH FIFFIE3 | 1220 MARQUISE CT ROCKLEDGE, FL 32955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.39% |
| EDITH MAXWELL3 | 395 NORMANDY DR INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.34% |
| LESLIE K KIMBROUGH3 | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| RUBICON REGION LLC3 | 132 NW 76TH DRIVE SUITE B GAINESVILLE, FL 32607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| REILLY & ASSOCIATES, INC.3 Filed as: REILLY & ASSOCIATES INC | 269 E LONG CREEK COVE LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST, SUITE I WILMINGTON, NC 28401 | 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 | $2K | $137 | $2K | 10.17% |
| ELIZABETH ANN FIFFIE3 | 1220 MARQUISE CT UNIT G1 ROCKLEDGE, FL 32955 | AFLAC | $792 | $46 | $838 | 4.14% |
| EDITH L MAXWELL3 | 730 E STRAWBRIDGE AVE. 101 MELBOURNE, FL 32901 | AFLAC | $609 | $55 | $664 | 3.28% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $544 | $46 | $590 | 2.91% |
| KELLY MORGAN CONWAY3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | AFLAC | $460 | $36 | $496 | 2.45% |
| EDITH L MAXWELL3 | 730 E STRAWBRIDGE AVE. 101 MELBOURNE, FL 32901 | AFLAC | $124 | — | $124 | 0.61% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $73 | — | $73 | 0.36% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE. STE 101 INDIALANTIC, FL 32903 | AFLAC | $47 | — | $47 | 0.23% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE STE 201 BIRMINGHAM, AL 35243 | AFLAC | $20 | — | $20 | 0.10% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $9 | — | $9 | 0.04% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 APT 208 SAN LUIS OBISPO, CA 93401 | AFLAC | $3 | — | $3 | 0.01% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY CT CASSELBERRY, FL 32707 | AFLAC | $3 | — | $3 | 0.01% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $3 | — | $3 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | 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 | 0.00% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $1 | — | $1 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $1 | — | $1 | 0.00% |
| ASHLEY CROOK3 | 10167 SUMMERLAKE DR MOBILE, AL 36608 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 3719 SW 74TH DR GAINESVILLE, FL 32608 | AFLAC | $1 | — | $1 | 0.00% |
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.82% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $283 | — | $283 | 9.54% |
| TWIN RIVERS INSURANCE INC4 Filed as: TWIN RIVERS INSURANCE INC. | 730 E STRAWBRIDGE AVE MELBOURNE, FL 32901 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $282 | — | $282 | 9.50% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 169 | $22K |
| Dental | GUARDIAN | 135 | $74K |
| Vision | HUMANA INSURANCE COMPANY | 78 | $12K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 154 | $115K |
| Short-term disability | AFLAC | 42 | $20K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 154 | $115K |
| Prescription drug | HEALTH OPTIONS, INC | 117 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 135 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.