| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 852556762 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | GUARDIAN | $14K | $4K | $17K | 12.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 10.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER RD STE 450 CLEARWATER, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 10.43% |
| JEANNINE MACKO2 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $962 | — | $962 | 5.28% |
| JEFFREY NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $614 | — | $614 | 3.37% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BLVD STE B14 PMB 753 WESLEY CHAPEL, FL 33544 | AFLAC | $89 | — | $89 | 0.49% |
| JAMIE PITTNER3 Filed as: JAMIE M PITTNER | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $65 | — | $65 | 0.36% |
| CRAIG KUHL3 Filed as: CRAIG STEPHAN KUHL | 2001 W DE LEON ST APT 4 TAMPA, FL 33606 | AFLAC | $63 | — | $63 | 0.35% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $49 | — | $49 | 0.27% |
| AMERICAN TRUST TAX ADVISORY GRP INC3 | 14502 N DALE MABRY HWY STE 200 TAMPA, FL 33618 | AFLAC | $42 | — | $42 | 0.23% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $40 | — | $40 | 0.22% |
| BRYON L GROVE3 | 494 ORANGE ST STE 200 PALM HARBOR, FL 34683 | AFLAC | $35 | — | $35 | 0.19% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE LAUDERDALE, FL 33309 | AFLAC | $29 | — | $29 | 0.16% |
| MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $25 | — | $25 | 0.14% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $20 | — | $20 | 0.11% |
| D'ASCOLI INC3 | 9039 CALLE ALTA NEW PORT RICHEY, FL 34655 | AFLAC | $19 | — | $19 | 0.10% |
| SCOTT H SURUT3 | 30422 COLEHAVEN CT ZEPHYRHILLS, FL 33543 | AFLAC | $17 | — | $17 | 0.09% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $15 | — | $15 | 0.08% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $15 | — | $15 | 0.08% |
| AIMEE BRANDON3 Filed as: AIMEE ZWEIL BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $10 | — | $10 | 0.05% |
| JULIE SLAUGHTER3 Filed as: JULIE M SLAUGHTER | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $9 | — | $9 | 0.05% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $8 | — | $8 | 0.04% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $8 | — | $8 | 0.04% |
| TIMOTHY MARTIN BRUNORI3 | 33 MARIE AVE BRIDGEWATER, NJ 08807 | AFLAC | $6 | — | $6 | 0.03% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $6 | — | $6 | 0.03% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INS INC | 1877 KINSMERE DR NEW PORT RICHEY, FL 34655 | AFLAC | $5 | — | $5 | 0.03% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $4 | — | $4 | 0.02% |
| SETHA A VAN STEENBERGEN3 | 16208 MARSHFIELD DR TAMPA, FL 33624 | AFLAC | $4 | — | $4 | 0.02% |
| JEFFREY GLENN YARISH3 | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $3 | — | $3 | 0.02% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $3 | — | $3 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $3 | — | $3 | 0.02% |
| RICARDO G SORIANO3 | PO BOX 1003 DADE CITY, FL 33526 | AFLAC | $3 | — | $3 | 0.02% |
| FRANCIS V CRUZ3 | PO BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $2 | — | $2 | 0.01% |
| BRANDON C ADAMS3 | 64 SHELBY DR CRAWFORDVILLE, FL 32327 | AFLAC | $2 | — | $2 | 0.01% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $2 | — | $2 | 0.01% |
| SANDRA WHITELEY3 | 8884 CHRISTIE DR LARGO, FL 33771 | AFLAC | $2 | — | $2 | 0.01% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 172 WALKING STICK DR ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY NELSON3 | 9838 RED BAY LOOP LAND O LAKES, CA 34637 | AFLAC | $335 | — | $335 | 6.72% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, FL 92056 | AFLAC | $306 | — | $306 | 6.14% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BLVD STE B14 PMB 753 WESLEY CHAPEL, FL 33544 | AFLAC | $80 | — | $80 | 1.61% |
| JAMIE PITTNER3 Filed as: JAMIE M PITTNER | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $53 | — | $53 | 1.06% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $15 | — | $15 | 0.30% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $14 | — | $14 | 0.28% |
| CATHERINE L LEE3 | 10 NUN STE WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.14% |
| BRYON L GROVE3 | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $1 | — | $1 | 0.02% |
| KATHRYN AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $1 | — | $1 | 0.02% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $127 | — | $127 | 3.81% |
| JEFFERY NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $59 | — | $59 | 1.77% |
| MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $20 | — | $20 | 0.60% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 Filed as: OLIVE SIMPLE BENEFIT SOLUTION LLC | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $10 | — | $10 | 0.30% |
| BRYON L GROVE3 Filed as: BRYON GROVE | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | AFLAC | $7 | — | $7 | 0.21% |
| CRAIG KUHL3 | 2001 W DE LEON ST APT 4 TAMPA, FL 33606 | AFLAC | $7 | — | $7 | 0.21% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $5 | — | $5 | 0.15% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $4 | — | $4 | 0.12% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BL VD STE B14 PMB 753 WESLEY CHAPEL, FL 33544 | AFLAC | $2 | — | $2 | 0.06% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $2 | — | $2 | 0.06% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $1 | — | $1 | 0.03% |
| JAMIE PITTNER3 Filed as: JAMIE M PITTNER | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $1 | — | $1 | 0.03% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $1 | — | $1 | 0.03% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 172 WALKING STICK DR ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $996K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $199K |
| ROGER BOUCHARD INS INC EIN 59-1117778 BROKER | Other commissions Service code 55 | — | $49K |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 312 | $137K |
| Vision | GUARDIAN | 312 | $137K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 422 | $107K |
| Short-term disability(3 contracts) | AFLAC | 24 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $66K |
| Stop-loss / reinsurancereinsurance | VOYA - STEALTH PARTNER GROUP | 316 | $424K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 422 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.