| 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 | $8K | $82K | $90K | 5.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 12404 PARK CENTRAL DRR DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $36K | $36K | 2.07% |
| WENDY R FULVI3 | 10530 54TH AVENUE N ST PETERSBURG, FL 33708 | AFLAC | $4K | $279 | $4K | 5.92% |
| TRCIA MONTRONE3 | 9847 SEMINOLE BLVD APARTMENT 13 SEMINOLE, FL 33772 | AFLAC | $2K | $139 | $2K | 2.73% |
| LINDA P VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | AFLAC | $986 | $0 | $986 | 1.51% |
| JOSEPH DUCKETT3 | 517 PINEWOOD DRIVE OLDSMAR, FL 34677 | AFLAC | $628 | $84 | $712 | 1.09% |
| DEREK DEVANE3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $280 | $0 | $280 | 0.43% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10175 FOTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $244 | $0 | $244 | 0.37% |
| NORA M FOLKERS3 | 1121 CANE MILL LANE BRADENTON, FL 34212 | AFLAC | $226 | $0 | $226 | 0.35% |
| HERRICK INSURANCE GROUP INC3 | 1455 MONTE LAKE DRIVE VALRICO, FL 33596 | AFLAC | $211 | $0 | $211 | 0.32% |
| ROSALYNE BRISSON3 | 5245 DARTMOUTH AVENUE N SAINT PETERSBURG, FL 33710 | AFLAC | $204 | $0 | $204 | 0.31% |
| CORINNE A DUROURE3 Filed as: CORINNE | 557 BOCA CIEGA POINT BLVD N ST PETERSBURG, FL 33708 | AFLAC | $187 | $0 | $187 | 0.29% |
| BRANDU HARTIN3 | 1456 MIRASOL MANOR CT TAMPA, FL 33626 | AFLAC | $129 | $28 | $157 | 0.24% |
| RICARDO G SORIANO3 Filed as: RICARDO SORIANO | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $138 | $0 | $138 | 0.21% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS GROUP CORP | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $126 | $0 | $126 | 0.19% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS ROAD PORT SAINT JOE, FL 32456 | AFLAC | $114 | $0 | $114 | 0.18% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $101 | $0 | $101 | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 6813 S JUANITA STREET UNIT A TAMPA, FL 33616 | AFLAC | $96 | $0 | $96 | 0.15% |
| J W GRIMES INC3 | 7650 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $62 | $0 | $62 | 0.10% |
| JAN HAMBY ALDAMUY3 Filed as: JAN ALDAMUY | 16203 MUIRFIELD DRIVE ODESSA, FL 33556 | AFLAC | $61 | $0 | $61 | 0.09% |
| AMERICAN TRUST TAX ADVISORY GRP INC3 | 20735 STERLINGTON DRIVE SUITE 102 LAND O LAKES, FL 34638 | AFLAC | $61 | $0 | $61 | 0.09% |
| CLIFFORD BRUCE ESKEW JR3 Filed as: CLIFFORD ESKEW JR | 13920 58TH STREET N SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $55 | $6 | $61 | 0.09% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE ROAD LITHIA, FL 33547 | AFLAC | $51 | $0 | $51 | 0.08% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $39 | $0 | $39 | 0.06% |
| CLARISSA LYNNE HERRICK3 Filed as: CLARISSA HERRICK | 1445 MONTE LAKE DRIVE VALRICO, FL 33596 | AFLAC | $37 | $0 | $37 | 0.06% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $35 | $0 | $35 | 0.05% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $32 | $0 | $32 | 0.05% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 225 LAKE ESTATES TRAIL LONGVIEW, TX 75605 | AFLAC | $31 | $0 | $31 | 0.05% |
| JEO INSURANCE INC3 | 6535 SHEPARD OAKS COURT LAKELAND, FL 33811 | AFLAC | $25 | $0 | $25 | 0.04% |
| GRAVES INC3 | 5336 CAPTAINS COURT NEW PORT RICHEY, FL 34652 | AFLAC | $24 | $0 | $24 | 0.04% |
| ELEANOR M BREZNAY3 | 919 KEITH LANE AUBURNDALE, FL 33823 | AFLAC | $20 | $0 | $20 | 0.03% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER MOREHEAD | 13412 WHITBY ROAD HUDSON, FL 34667 | AFLAC | $17 | $0 | $17 | 0.03% |
| JACK RICE INSURANCE LLC3 | 13080 BELCHER ROAD S SUITE H LARGO, FL 33773 | AFLAC | $13 | $0 | $13 | 0.02% |
| ROBIN KUCHLE-DOUGHTY3 | 2812 BLACKWATER OAKS DRIVE MULBERRY, FL 33860 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN DOMEIER3 | 720 17TH AVENUE N SAINT PETERSBURG, FL 33704 | AFLAC | $7 | $0 | $7 | 0.01% |
| JANINE FOX3 | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $5 | $0 | $5 | 0.01% |
| BANYASH & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $4 | $0 | $4 | 0.01% |
| IAN FOX3 | 9442 SCOTT DRIVE SEMINOLE, FL 33777 | AFLAC | $3 | $0 | $3 | 0.00% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | 19115 LIVINGSTON AVENUE LUTZ, FL 33559 | AFLAC | $3 | $0 | $3 | 0.00% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $2 | $0 | $2 | 0.00% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $2 | $0 | $2 | 0.00% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER III | 106 FOUNTAIN DRIVE SLIDELL, LA 70458 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 16122 ARMISTEAD LANCE ODESSA, FL 33556 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $1 | $0 | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.00% |
| DELORES ELAINE PINKOWSKI3 Filed as: DELORES PINKOWSKI | HC 64 PO BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $1 | $0 | $1 | 0.00% |
| JACK VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 30.00% |
| JACK VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $1.7M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $54K |
| Other | AFLAC | 95 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.