| 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 | $89K | $98K | 5.22% |
| 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 | $39K | $39K | 2.07% |
| WENDY R FULVI3 | 10530 54TH AVENUE N ST PETERSBURG, FL 33708 | AFLAC | $3K | $238 | $4K | 5.87% |
| TRCIA MONTRONE3 | 9847 SEMINOLE BLVD APARTMENT 13 SEMINOLE, FL 33772 | AFLAC | $982 | — | $982 | 1.55% |
| LINDA P VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | AFLAC | $839 | — | $839 | 1.32% |
| CORINNE A DUROURE3 | 557 BOCA CIEGA POINT BLVD N ST PETERSBURG, FL 33708 | AFLAC | $688 | $53 | $741 | 1.17% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DRIVE OLDSMAR, FL 34677 | AFLAC | $486 | $53 | $539 | 0.85% |
| TRICIA MONTRONE3 | 8884 CHRISTIE DR LARGO, FL 33771 | AFLAC | $298 | — | $298 | 0.47% |
| DEREK DEVANE3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $246 | — | $246 | 0.39% |
| LINDA P VOSHARDT3 Filed as: LINDA PRINCE VOSHARDT | 15635 GULF BLVD SAINT PETERSBURG, FL 33708 | AFLAC | $233 | — | $233 | 0.37% |
| NORA M FOLKERS3 | 1121 CANE MILL LANE BRADENTON, FL 34212 | AFLAC | $212 | — | $212 | 0.33% |
| ROSALYNE BRISSON3 | 5245 DARTMOUTH AVENUE N SAINT PETERSBURG, FL 33710 | AFLAC | $190 | — | $190 | 0.30% |
| HERRICK INSURANCE GROUP INC3 | 1455 MONTE LAKE DRIVE VALRICO, FL 33596 | AFLAC | $151 | — | $151 | 0.24% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $139 | — | $139 | 0.22% |
| JAY KAMINSKY3 | 6840 12TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $137 | — | $137 | 0.22% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $112 | — | $112 | 0.18% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $94 | — | $94 | 0.15% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS ROAD PORT SAINT JOE, FL 32456 | AFLAC | $90 | — | $90 | 0.14% |
| RICHARD G SORIANO3 | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC | $90 | — | $90 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 6813 S JUANITA STREET UNIT A TAMPA, FL 33616 | AFLAC | $78 | — | $78 | 0.12% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $75 | — | $75 | 0.12% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $72 | — | $72 | 0.11% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS GROUP CORP | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC | $66 | — | $66 | 0.10% |
| AMERICAN TRUST TAX ADVISORY GRP INC3 | 14502 N DALE MABRY HWY SUITE 200 TAMPA, FL 33618 | AFLAC | $61 | — | $61 | 0.10% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DRIVE ODESSA, FL 33556 | AFLAC | $61 | — | $61 | 0.10% |
| RICARDO G SORIANO3 Filed as: RICARDO SORIANO | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $46 | — | $46 | 0.07% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE ROAD LITHIA, FL 33547 | AFLAC | $44 | — | $44 | 0.07% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS GROUP CORP | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC | $36 | — | $36 | 0.06% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $33 | — | $33 | 0.05% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $28 | — | $28 | 0.04% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 715 N KENTUCKY ST MEXICO, MO 65265 | AFLAC | $27 | — | $27 | 0.04% |
| JEO INSURANCE INC3 | 2823 HICKORY RIDGE DR LAKELAND, FL 33811 | AFLAC | $25 | — | $25 | 0.04% |
| CLIFFORD BRUCE ESKEW JR3 Filed as: CLIFFORD ESKEW JR | 13920 58TH STREET N STE 1002 CLEARWATER, FL 33760 | AFLAC | $23 | — | $23 | 0.04% |
| CLARISSA LYNNE HERRICK3 Filed as: CLARISSA HERRICK | 3449 EAGLE RIDGE CT VALRICO, FL 33596 | AFLAC | $21 | — | $21 | 0.03% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $20 | — | $20 | 0.03% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $19 | — | $19 | 0.03% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $18 | — | $18 | 0.03% |
| ELEANOR M BREZNAY3 | 919 KEITH LANE AUBURNDALE, FL 33823 | AFLAC | $15 | — | $15 | 0.02% |
| JACK RICE INSURANCE LLC3 | 13080 BELCHER ROAD S SUITE H LARGO, FL 33773 | AFLAC | $13 | — | $13 | 0.02% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER MOREHEAD | 13412 WHITBY ROAD HUDSON, FL 34667 | AFLAC | $11 | — | $11 | 0.02% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | 19115 LIVINGSTON AVENUE LUTZ, FL 33559 | AFLAC | $10 | — | $10 | 0.02% |
| ROBIN KUCHLE-DOUGHTY3 | 2812 BLACKWATER OAKS DRIVE MULBERRY, FL 33860 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN DOMEIER3 | 720 17TH AVENUE N SAINT PETERSBURG, FL 33704 | AFLAC | $7 | — | $7 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER III | 106 FOUNTAIN DRIVE SLIDELL, LA 70458 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 16122 ARMISTEAD LANCE ODESSA, FL 33556 | AFLAC | $7 | — | $7 | 0.01% |
| HARLEY DENNIS SHAW3 | 3620 ARTISTS WAY CHARLOTTE, NC 28205 | AFLAC | $7 | — | $7 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $3 | — | $3 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $3 | — | $3 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.00% |
| GRAVES INC3 | 5336 CAPTAINS COURT NEW PORT RICHEY, FL 34652 | AFLAC | $2 | — | $2 | 0.00% |
| DELORES ELAINE PINKOWSKI3 Filed as: DELORES PINKOWSKI | HC 64 PO BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $2 | — | $2 | 0.00% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $1 | — | $1 | 0.00% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 0.00% |
| JACK VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 30.00% |
| JOHN VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $492 | — | $492 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $197 | $197 | 4.00% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 162 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 162 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 162 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $29K |
| Other(2 contracts, 2 carriers) | AFLAC | 98 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.