| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | GUARDIAN | $13K | $3K | $17K | 12.28% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 10.64% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 10.38% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 11.14% |
| JEANNINE MACKO2 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $878 | $17 | $895 | 5.18% |
| JEFFREY NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $599 | $17 | $616 | 3.57% |
| JAMIE PITTNER3 Filed as: JAMIE M PITTNER | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $101 | $8 | $109 | 0.63% |
| AMERICAN TRUST TAX ADVISORY GRP INC3 | 14502 N DALE MABRY HWY STE 200 TAMPA, FL 33618 | AFLAC | $42 | — | $42 | 0.24% |
| BRYON L GROVE3 Filed as: BRYON GROVE | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $35 | — | $35 | 0.20% |
| MICHAEL C WALKER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $32 | — | $32 | 0.19% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE | 837 SE COURANCES DR PORT SE LUCIE, FL 34984 | AFLAC | $23 | $8 | $31 | 0.18% |
| LANCE ACKERMAN3 | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $29 | — | $29 | 0.17% |
| CRAIG KUHL3 | 2001 W DE LEON ST APT 4 TAMPA, FL 33606 | AFLAC | $28 | — | $28 | 0.16% |
| MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $26 | — | $26 | 0.15% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE FT LAUDERDALE, FL 33309 | AFLAC | $19 | — | $19 | 0.11% |
| D'ASCOLI INC3 | 9039 CALLE ALTA NEW PORT RICHEY, FL 34655 | AFLAC | $19 | — | $19 | 0.11% |
| SCOTT H SURUT3 | 30422 COLEHAVEN C ZEPHYRHILLS, FL 33543 | AFLAC | $17 | — | $17 | 0.10% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $15 | — | $15 | 0.09% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $14 | — | $14 | 0.08% |
| SUSAN BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $14 | — | $14 | 0.08% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $10 | — | $10 | 0.06% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $10 | — | $10 | 0.06% |
| JAMES SMITH3 | 615 ELINOR ST CHATTANOOG, TN 37405 | AFLAC | $9 | — | $9 | 0.05% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $9 | — | $9 | 0.05% |
| 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% |
| JOSEPH BERNABEI3 Filed as: JOSEPH BERNABEL | 7355 113TH ST SEMINOLE, FL 33772 | AFLAC | $6 | — | $6 | 0.03% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INS INC | 1877 KINSMERE DR NEW PORT RICHELY, FL 34655 | AFLAC | $5 | — | $5 | 0.03% |
| NORA M FOLKERS3 Filed as: NORA FOLKERS | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $4 | — | $4 | 0.02% |
| SETH VAN STEENBERGEN3 | 16208 MARSHFIELD DR TAMPA, FL 33624 | AFLAC | $4 | — | $4 | 0.02% |
| KATHRYN AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $3 | — | $3 | 0.02% |
| RICARDO G SORIANO3 Filed as: RICARDO SORIANO | P0 BOX 1003 DADE CITY, FL 33526 | AFLAC | $3 | — | $3 | 0.02% |
| MICHELLE JAMES- YARISH3 Filed as: MICHELLE JAMES -YARISH | 8575 SUNSEY CT TREASURE ISLAND CT, FL 33706 | AFLAC | $2 | — | $2 | 0.01% |
| JANNIE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY MEYER3 | 5005 BODILE LN GREENSBORO, NC 27455 | AFLAC | $2 | — | $2 | 0.01% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 64 SHELBY DR CRAWFORDVILLE, FL 32327 | AFLAC | $2 | — | $2 | 0.01% |
| SANDRA WHITELEY3 | 488 SUGAR RIDGE CT LONGWOOD, FL 32779 | AFLAC | $2 | — | $2 | 0.01% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 172 WALKING STICK DR ELLERSLIE, GA 31807 | AFLAC | $2 | — | $2 | 0.01% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | PO BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $1 | — | $1 | 0.01% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $1 | — | $1 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGGROSE DR TAMPA, FL 33626 | AFLAC | $0 | — | $0 | 0.00% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $499 | — | $499 | 8.74% |
| JEFFERY NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $497 | — | $497 | 8.70% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE | 837 SE COURANCES DR PORT ST LUCIE, FL 34984 | AFLAC | $123 | — | $123 | 2.15% |
| JAMIE PITTNER3 | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $84 | — | $84 | 1.47% |
| MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $20 | — | $20 | 0.35% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $12 | — | $12 | 0.21% |
| BRYON L GROVE3 Filed as: BRYON GROVE | 494 ORANGE ST PLAM HARBOR, FL 34683 | AFLAC | $8 | — | $8 | 0.14% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $6 | — | $6 | 0.11% |
| KATHYRN AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $4 | — | $4 | 0.07% |
| CRAIG KUHL3 | 2001 DE LEON ST APT 4 TAMPA, FL 33606 | AFLAC | $2 | — | $2 | 0.04% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 172 WALKING STICK DR ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.02% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $53 | — | $53 | 2.26% |
| JEFFREY NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $47 | — | $47 | 2.01% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 | 9004 BILLINGGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $8 | — | $8 | 0.34% |
| JAMES SMITH3 | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $7 | — | $7 | 0.30% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.30% |
| BRYON L GROVE3 Filed as: BRYON GROVE | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $1 | — | $1 | 0.04% |
| KATHYRN AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $266K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $19K |
| RXBENEFITS EIN 63-1157085 RXBENEFITS, INC | Contract Administrator Service code 13 | — | $8K |
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 | 394 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 300 | $135K |
| Vision | GUARDIAN | 300 | $135K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 395 | $112K |
| Short-term disability(3 contracts) | AFLAC | 28 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $73K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE | 308 | $842K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 395 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.