| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VAUGHN GROUP EXPERIENCE RATED3 | PO BOX 532017 ORLANDO, FL 328532017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 1.96% |
| VAUGHN GROUP INC3 Filed as: VAUGHN GROUP NON-EXPERIENCE-RATED | PO BOX 532017 ORLANDO, FL 327654508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 0.30% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC | PO BOX 532017 ORLANDO, FL 328532017 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 1.44% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY | $527 | — | $527 | 0.21% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 328015005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.24% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 347861568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 32801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.75% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 347861568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 328015005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.45% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 347861568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ELBERT H VAUGHN JR3 | PO BOX 532017 ORLANDO, FL 32853 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 16.32% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.57% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC | PO BOX 532017 ORLANDO, FL 32853 | METROPOLITAN LIFE INSURANCE COMPANY | $995 | — | $995 | 2.67% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 328015005 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.46% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 21.86% |
| SEASIDE INSURANCE INC3 | 201 S. ORANGE AVE STE 250 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 21.57% |
| DAVID D HOWES3 | 2461 W STATE RD 426 OVIEDO, FL 327654508 | KANAWHA INSURANCE COMPANY | $419 | — | $419 | 19.61% |
| ELBERT H VAUGHN JR3 | 711 ALBA DR ORLANDO, FL 328047206 | KANAWHA INSURANCE COMPANY | $314 | — | $314 | 14.69% |
| HOWES, INC.3 Filed as: HOWES INC | 2461 W STATE RD 426 OVEIDO, FL 327654508 | KANAWHA INSURANCE COMPANY | $66 | — | $66 | 3.09% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC | PO BOX 532017 ORLANDO, FL 32853 | KANAWHA INSURANCE COMPANY | $59 | — | $59 | 2.76% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 648 | $3.3M |
| Dental | HUMANA INSURANCE COMPANY | 305 | $250K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 459 | $282K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $178K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $64K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 648 | $3.3M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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."
No prospect flags tripped on this filing.