| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 4880 NEWBERRY ROAD GAINESVILLE, FL 32607 | HEALTH OPTIONS, INC. | $44K | — | $44K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2045 14TH AVENUE VERO BEACH, FL 32960 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| JEREMY C ALFORD3 | 3700 WINDMEADOWS BLVD APT DD295 GAINESVILLE, FL 32608 | AFLAC | $1K | — | $1K | 5.77% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 4735 NW 53RD AVE STE A GAINESVILLE, FL 32653 | AFLAC | $533 | $16 | $549 | 2.30% |
| SABRINA HASKELL3 | 2150 COUNTRY CLUB RD STE 228 WINSTON SALEM, NC 27104 | AFLAC | $438 | $73 | $511 | 2.14% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 4623 NW 53RD AVE STE 1 GAINESVILLE, FL 32653 | AFLAC | $323 | — | $323 | 1.35% |
| RUBICON REGION LLC3 | 1010 LAKE ST STE 430 OAK PARK, IL 60301 | AFLAC | $317 | — | $317 | 1.33% |
| JEREMY M HASKELL3 | 2150 COUNTRY CLUB RD STE 228 WINSTON SALEM, NC 27104 | AFLAC | $175 | $16 | $191 | 0.80% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LN SUMMERVILLE, SC 29486 | AFLAC | $150 | — | $150 | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | P O BOX 904307 CHARLOTTE, NC 28290 | AFLAC | $81 | — | $81 | 0.34% |
| WILLIAM A ZACHOW3 | 3973 NW 84TH PL GAINESVILLE, FL 32653 | AFLAC | $39 | — | $39 | 0.16% |
| CHRIS H ROBINSON3 | 4735 NW 53RD AVE STE A GAINESVILLE, FL 32653 | AFLAC | $28 | — | $28 | 0.12% |
| THOMAS KEITH MEREDITH3 | 1906 SE 14TH AVE OCALA, FL 34471 | AFLAC | $26 | — | $26 | 0.11% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $20 | — | $20 | 0.08% |
| CHRIS H ROBINSON3 | 4623 NW 53RD AVE STE 1 GAINESVILLE, FL 32653 | AFLAC | $20 | — | $20 | 0.08% |
| CECIL T SALMON3 | 95 EDWARD DR PALM COAST, FL 32164 | AFLAC | $18 | — | $18 | 0.08% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $18 | — | $18 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHRISTOPHER BROWN | 102 NE 39TH PL GAINESVILLE, FL 32609 | AFLAC | $5 | $9 | $14 | 0.06% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $9 | — | $9 | 0.04% |
| JOHN A ETCHART3 | 11923 LAZIO LN ORLANDO, FL 32827 | AFLAC | $7 | — | $7 | 0.03% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 32827 | AFLAC | $5 | — | $5 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.02% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $4 | — | $4 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $2 | — | $2 | 0.01% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 258 SEAVIEW AVE DAYTONA BEACH, FL 32118 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 554 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M DICKERT3 | 3264 ADDISON LN TALLAHASSEE, FL 32317 | AFLAC | $1 | — | $1 | 0.00% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $93K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $93K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $93K |
| Prescription drug | HEALTH OPTIONS, INC. | 109 | $886K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.