| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 300 COLONIAL CENTER PARKWAY SUITE 270 LAKE MARY, FL 32746 | HEALTH OPTIONS, INC. | $48K | — | $48K | 5.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.21% |
| 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 | $2K | — | $2K | 1.79% |
| JEREMY C ALFORD3 | 3700 WINDMEADOWS BLVD APT DD295 GAINESVILLE, FL 32608 | AFLAC | $547 | $227 | $774 | 3.47% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 4735 NW 53RD AVE STE A GAINESVILLE, FL 32653 | AFLAC | $569 | $45 | $614 | 2.76% |
| SABRINA HASKELL3 | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $322 | — | $322 | 1.45% |
| SOTERIA S MALLARD3 | 6529 NW 36TH TER GAINESVILLE, FL 32653 | AFLAC | $207 | — | $207 | 0.93% |
| GSL MARKETING INC3 Filed as: GSL MARKETING | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $150 | — | $150 | 0.67% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LN SUMMERVILLE, SC 29486 | AFLAC | $136 | — | $136 | 0.61% |
| JEREMY M HASKELL3 | 430 RYDER CUP LN CLEMMONS, NC 27012 | AFLAC | $129 | — | $129 | 0.58% |
| RUBICON REGION LLC3 | 360 W HUBBARD ST APT 2008 CHICAGO, IL 60654 | AFLAC | $75 | $45 | $120 | 0.54% |
| CHRIS H ROBINSON3 | 9969 NW 16TH RD GAINESVILLE, FL 32653 | AFLAC | $48 | — | $48 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904307 CHARLOTTE, NC 28290 | AFLAC | $40 | — | $40 | 0.18% |
| WILLIAM A ZACHOW3 | 3973 NW 84TH PL GAINESVILLE, FL 32653 | AFLAC | $34 | — | $34 | 0.15% |
| THOMAS KEITH MEREDITH3 | 1906 SE 14TH AVE OCALA, FL 34471 | AFLAC | $26 | — | $26 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 904307 CHARLOTTE, NC 28290 | AFLAC | $20 | — | $20 | 0.09% |
| LINDSAY NORFLEET FICO3 | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $17 | — | $17 | 0.08% |
| CECIL T SALMON3 | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $16 | — | $16 | 0.07% |
| JAMES R MIRABELLI3 | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $16 | — | $16 | 0.07% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN A ETCHART3 | 11923 LAZIO LN ORLANDO, FL 32827 | AFLAC | $7 | — | $7 | 0.03% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | 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 | $3 | — | $3 | 0.01% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $2 | — | $2 | 0.01% |
| JIMMY LEON JOHNSON3 | 40 AVERY ST SAINT AUGUSTINE, FL 32084 | AFLAC | $1 | — | $1 | 0.00% |
| VICK M DICKERT3 | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | 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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | 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) | HEALTH OPTIONS, INC. | 101 | $955K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $96K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $96K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $96K |
| Prescription drug | HEALTH OPTIONS, INC. | 101 | $955K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.