| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $101K | $112K | 5.25% |
| WENDY R FULVI3 | 10530 54TH AVENUE N ST PETERSBURG, FL 33708 | AFLAC | $1K | $111 | $2K | 2.60% |
| TRICIA MONTRONE3 | 8884 CHRISTIE DR LARGO, FL 33771 | AFLAC | $907 | — | $907 | 1.53% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | AFLAC | $812 | — | $812 | 1.37% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $744 | — | $744 | 1.25% |
| LINDA P VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | AFLAC | $620 | — | $620 | 1.05% |
| KAREN D SHATTUCK3 | 2298 AMERICUS BLVD E APT 6 CLEARWATER, FL 33763 | AFLAC | $594 | — | $594 | 1.00% |
| CORINNE A DUROURE3 | 557 BOCA CIEGA POINT BLVD N ST PETERSBURG, FL 33708 | AFLAC | $364 | $22 | $386 | 0.65% |
| AMY SUSANNE STEED3 Filed as: AMY E STRONG | 6395 BUNCOMBE RD SHREVEPORT, LA 71129 | AFLAC | $362 | — | $362 | 0.61% |
| AMY SUSANNE STEED3 Filed as: AMY STRONG | 364 ASHBOURNE DR SHREVEPORT, LA 71106 | AFLAC | $336 | — | $336 | 0.57% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DR PALM HARBOR, FL 34683 | AFLAC | $281 | — | $281 | 0.47% |
| DEREK DEVANE3 Filed as: DEREK DEWAYNE DEVANE | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $211 | — | $211 | 0.36% |
| NORA M FOLKERS3 | 1121 CANE MILL LANE BRADENTON, FL 34212 | AFLAC | $152 | — | $152 | 0.26% |
| ROSALYNE BRISSON3 | 5245 DARTMOUTH AVENUE N SAINT PETERSBURG, FL 33710 | AFLAC | $148 | — | $148 | 0.25% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR STE 900 ATLANTA, GA 30339 | AFLAC | $143 | — | $143 | 0.24% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $141 | — | $141 | 0.24% |
| HERRICK INSURANCE GROUP INC3 | 2791 HAPPY HALLOW RD SERVIERVILLE, TN 37862 | AFLAC | $130 | — | $130 | 0.22% |
| JAY KAMINSKY3 | 6840 12TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $100 | $22 | $122 | 0.21% |
| RICHARD G SORIANO3 | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC | $99 | — | $99 | 0.17% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $74 | — | $74 | 0.12% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $64 | — | $64 | 0.11% |
| AMBURGEY INSURANCE INC3 | 873 TARTAN LOOP LAKE WALES, FL 33853 | AFLAC | $63 | — | $63 | 0.11% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DRIVE ODESSA, FL 33556 | AFLAC | $61 | — | $61 | 0.10% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS GROUP CORP | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC | $55 | — | $55 | 0.09% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $51 | — | $51 | 0.09% |
| JOSEPH BAILEY DUCKETT3 | 119 NORTHBROOK TRCE WOODSTOCK, GA 30188 | AFLAC | $46 | — | $46 | 0.08% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $41 | — | $41 | 0.07% |
| AMERICAN TRUST TAX ADVISORY GRP INC3 | 14502 N DALE MABRY HWY SUITE 200 TAMPA, FL 33618 | AFLAC | $36 | — | $36 | 0.06% |
| MATTHEW SHANE STRONG3 | 5628 SKINNER DR. APOLLO BEACH, FL 33572 | AFLAC | $29 | — | $29 | 0.05% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $27 | — | $27 | 0.05% |
| CLIFFORD BRUCE ESKEW JR3 Filed as: CLIFFORD ESKEW JR | 13920 58TH STREET N STE 1002 CLEARWATER, FL 33760 | AFLAC | $23 | — | $23 | 0.04% |
| HARLEY DENNIS SHAW3 | 3620 ARTISTS WAY CHARLOTTE, NC 28205 | AFLAC | $23 | — | $23 | 0.04% |
| CLARISSA LYNNE HERRICK3 Filed as: CLARISSA HERRICK | 2791 HAPPY HALLOW RD SEVIERVILLE, TN 37862 | AFLAC | $21 | — | $21 | 0.04% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 715 N KENTUCKY ST MEXICO, MO 65265 | AFLAC | $20 | — | $20 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 6813 S JUANITA STREET UNIT A TAMPA, FL 33616 | AFLAC | $19 | — | $19 | 0.03% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $18 | — | $18 | 0.03% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $15 | — | $15 | 0.03% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $14 | — | $14 | 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 | $13 | — | $13 | 0.02% |
| JEO INSURANCE INC3 | 2823 HICKORY RIDGE DR LAKELAND, FL 33811 | AFLAC | $13 | — | $13 | 0.02% |
| ELEANOR M BREZNAY3 | 919 KEITH LANE AUBURNDALE, FL 33823 | AFLAC | $13 | — | $13 | 0.02% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $13 | — | $13 | 0.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11032 58TH STREET CIR E PARRISH, FL 34219 | AFLAC | $11 | — | $11 | 0.02% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVENUE LUTZ, FL 33559 | AFLAC | $8 | — | $8 | 0.01% |
| 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% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 16122 ARMISTEAD LANCE ODESSA, FL 33556 | AFLAC | $7 | — | $7 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE RD LITHIA, FL 33547 | AFLAC | $7 | — | $7 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER III | 106 FOUNTAIN DRIVE SLIDELL, LA 70458 | AFLAC | $6 | — | $6 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $6 | — | $6 | 0.01% |
| VERONICA MORSE3 | 3125 61ST WAY N ST PETERSBURG, FL 33710 | AFLAC | $6 | — | $6 | 0.01% |
| SCOTT L EELLS3 | 100 HAMPTON RD LOT 100 CLEARWATER, FL 33759 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID MORRIS3 Filed as: DAVID BRIAN MORRIS | 1436 BAY HARBOR DR APT 101 PALM HARBOR, FL 34685 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | 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% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $1 | — | $1 | 0.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.32% |
| JACK VOSHARDT3 | 15635 GULF BLVD REDINGTON BEACH, FL 33708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.02% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 182 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 182 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 182 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $25K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 182 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
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.