| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEVCAP MANAGEMENT LLC3 | 120 W VIRGINIA ST STE 200 MCKINNEY, TX 75069 | HEALTH OPTIONS | $22K | — | $22K | 6.00% |
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.03% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA ST STE 200 MCKINNEY, TX 75069 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.97% |
| CINDY M WOOTEN3 | 730 E STRAWBRIDGE AVE, STE 101 MELBOURNE, FL 32901 | AFLAC | $2K | $149 | $2K | 7.56% |
| ELIZABETH ANN FIFFIE3 | 26230 CRYSTAL COVE LN RICHMOND, TX 77406 | AFLAC | $796 | $50 | $846 | 3.44% |
| KELLY MORGAN CONWAY3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | AFLAC | $747 | $51 | $798 | 3.24% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $530 | $50 | $580 | 2.36% |
| EDITH L MAXWELL3 | 5680 DAVIS CT MERRITT ISLAND, FL 32952 | AFLAC | $181 | $48 | $229 | 0.93% |
| EDITH L MAXWELL3 | 5680 DAVIS CT MERRIT ISLAND, FL 32952 | AFLAC | $121 | — | $121 | 0.49% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $70 | — | $70 | 0.28% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INS INC | 730 E STRAWBRIDGE AVE. STE 101 MELBOURNE, FL 32901 | AFLAC | $39 | — | $39 | 0.16% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $21 | — | $21 | 0.09% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $11 | — | $11 | 0.04% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT 208 CHARLOTTE, NC 28269 | AFLAC | $4 | — | $4 | 0.02% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.01% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $3 | — | $3 | 0.01% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $2 | — | $2 | 0.01% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIE MOORE HAWKINS3 | 3930 S NOVA RD STE 201 PORT ORANGE, FL 32127 | 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% |
| MICHAEL S WITHROW3 | 1673 SAWGRASS DRIVE PALM BAY, FL 32908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $520 | — | $520 | 2.86% |
| CINDY M WOOTEN3 | 306 E NEW HAVEN AVE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 2.56% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.88% |
| EDITH MAXWELL3 | 2375 BROOKSIDE WAY INDIALANTIC, FL 32903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.86% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 156 TUSKAWILLA RD SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.52% |
| TWIN RIVERS INSURANCE INC3 | 306 EAST NEW HAVEN AVENUE MELBOURNE, FL 32901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.24% |
| ELIZABETH FIFFIE3 | 26230 CRYSTAL COVE LN RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.21% |
| EDITH MAXWELL3 | 4105 HILL ST MIMS, FL 32754 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| LESLIE K KIMBROUGH3 | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| RUBICON REGION LLC3 | 132 NW 76TH DRIVE SUITE B GAINESVILLE, FL 32607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| 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 | 0.01% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| TWIN RIVERS INSURANCE INC3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $699 | — | $699 | 12.00% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVER INSURANCE INC | 730 E STRAWBRIDGE AVE 101 MELBOURNE, FL 32901 | SOLSTICE BENEFITS INC | $837 | — | $837 | 14.99% |
| TWIN RIVERS INSURANCE INC4 Filed as: TWIN RIVERS INSURANCE INC. | 730 E STRAWBRIDGE AVE MELBOURNE, FL 32901 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $242 | — | $242 | 8.67% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $239 | — | $239 | 8.56% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE AGENCY INC | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | METROPOLITAN LIFE INSURANCE COMPANY | $376 | — | $376 | — |
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 | $18K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $91K |
| Vision | HUMANA INSURANCE COMPANY | 76 | $12K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $92K |
| Short-term disability | AFLAC | 41 | $25K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $86K |
| Prescription drug | HEALTH OPTIONS | 120 | $372K |
| Other(2 contracts, 2 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 134 | $9K |
| 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."
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.