| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $88K | $97K | 5.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $38K | $38K | 2.07% |
| TRICIA MONTRONE3 | 11022 126TH TERRACE LARGO, FL 33778 | AFLAC | $4K | $125 | $4K | 5.82% |
| WENDY R FULVI3 | 10530 54TH AVENUE N ST PETERSBURG, FL 33708 | AFLAC | $2K | $0 | $2K | 2.21% |
| LINDA P VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | AFLAC | $1K | $42 | $1K | 1.87% |
| JOSEPH BAILEY DUCKETT3 | 13920 58TH STREET N SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $543 | $22 | $565 | 0.82% |
| BRANDY ANN HARTIN3 | 14506 MIRASOL MANOR CT TAMPA, FL 33626 | AFLAC | $356 | $3 | $359 | 0.52% |
| DEREK DEVANE3 Filed as: DEREK DEWAYNE DEVANE | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $340 | $0 | $340 | 0.49% |
| MARK A LINSNER3 | 10175 FOTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $307 | $0 | $307 | 0.45% |
| HERRICK INSURANCE GROUP INC3 | 1455 MONTE LAKE DRIVE VALRICO, FL 33596 | AFLAC | $275 | $0 | $275 | 0.40% |
| NORA M FOLKERS3 | 1121 CANE MILL LANE BRADENTON, FL 34212 | AFLAC | $267 | $0 | $267 | 0.39% |
| SUSAN C BRIMHALL3 | 1476 BRIARGROVE WAY SUITE 525 OLDSMAR, FL 34677 | AFLAC | $215 | $33 | $248 | 0.36% |
| ROSALYNE BRISSON3 | 5245 DARTMOUTH AVENUE N SAINT PETERSBURG, FL 33710 | AFLAC | $221 | $0 | $221 | 0.32% |
| RICARDO G SORIANO3 | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $171 | $0 | $171 | 0.25% |
| HARLEY DENNIS SHAW3 | 3620 ARTISTS WAY CHARLOTTE, NC 28205 | AFLAC | $126 | $19 | $145 | 0.21% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS GROUP CORP | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $143 | $0 | $143 | 0.21% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WHALES, FL 33853 | AFLAC | $118 | $3 | $121 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN T MERCER | 6813 S JUANITA STREET UNIT A TAMPA, FL 33616 | AFLAC | $105 | $0 | $105 | 0.15% |
| J W GRIMES INC3 | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $96 | $0 | $96 | 0.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE ROAD LITHIA, FL 33547 | AFLAC | $83 | $11 | $94 | 0.14% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DRIVE ODESSA, FL 33556 | AFLAC | $67 | $0 | $67 | 0.10% |
| AMERICAN TRUST TAX ADVISORY GRP INC3 | 20735 STERLINGTON DRIVE SUITE 102 LAND O LAKES, FL 34638 | AFLAC | $66 | $0 | $66 | 0.10% |
| ELEANOR M BREZNAY3 | 919 KEITH LANE AUBURNDALE, FL 33823 | AFLAC | $53 | $6 | $59 | 0.09% |
| CLARISSA LYNNE HERRICK3 | 1445 MONTE LAKE DRIVE VALRICO, FL 33596 | AFLAC | $46 | $0 | $46 | 0.07% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE PALM BEACH, FL 33418 | AFLAC | $43 | $0 | $43 | 0.06% |
| JAMES (JAY) GRIMES3 | 4274 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $39 | $0 | $39 | 0.06% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $38 | $0 | $38 | 0.06% |
| DENNIS W CAMDEN3 | 225 LAKE ESTATES TRAIL LONGVIEW, TX 75604 | AFLAC | $35 | $0 | $35 | 0.05% |
| JEO INSURANCE INC3 Filed as: JEO INSURANCE LLC | 6535 SHEPARD OAKS STREET LAKELAND, FL 33811 | AFLAC | $30 | $0 | $30 | 0.04% |
| GRAVES INC3 | 5336 CAPTAINS CT NEW PORT RICHEY, FL 34652 | AFLAC | $27 | $0 | $27 | 0.04% |
| JENNIFER B MOREHEAD3 | 312 15TH AVE NE SAINT PETERSBURG, FL 33704 | AFLAC | $20 | $0 | $20 | 0.03% |
| JACK RICE INSURANCE LLC3 | 13080 S BELCHER ROAD SUITE H LARGO, FL 33773 | AFLAC | $14 | $0 | $14 | 0.02% |
| CLIFFORD BRUCE ESKEW JR3 | 13920 58TH STREET N SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $10 | $0 | $10 | 0.01% |
| ROBIN KUCHLE-DOUGHTY3 Filed as: ROBIN L KUCHLE-DOUGHTY | 2812 BLACKWATER OAKS DRIVE MULBERRY, FL 33860 | AFLAC | $9 | $0 | $9 | 0.01% |
| JOHN DOMEIER3 Filed as: JOHN H DOMEIER | 720 17TH AVENUE N ST PETERSBURG, FL 33704 | AFLAC | $8 | $0 | $8 | 0.01% |
| JACK VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 30.00% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $27K |
| Other | AFLAC | 106 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
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.
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.