| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | HEALTH OPTIONS, INC. | $58K | $0 | $58K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 9.43% |
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 4.00% |
| SHANNON PAOLA IBARRA3 | 5551 SAWGRASS ROAD SARASOTA, FL 34232 | AFLAC | $1K | $3 | $1K | 5.04% |
| GAYLE D WOLFE3 | PO BOX 10833 BRADENTON, FL 34282 | AFLAC | $234 | $0 | $234 | 1.09% |
| MICHELLE M COUNTER3 | 7553 ALUMNI TRAIL SARASOTA, FL 34243 | AFLAC | $190 | $0 | $190 | 0.89% |
| SHERI CROOK INC3 | 2151 COOK LANE ALVA, FL 33920 | AFLAC | $153 | $0 | $153 | 0.72% |
| PAMELA G GIORDANO3 | 5114 33RD STREET E BRADENTON, FL 34203 | AFLAC | $147 | $0 | $147 | 0.69% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR SUITE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $84 | $0 | $84 | 0.39% |
| URSULA HUNT3 | 5707 45TH STREET E LOT 208 BRADENTON, FL 34203 | AFLAC | $71 | $0 | $71 | 0.33% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DRIVE THOMASVILLE, GA 31792 | AFLAC | $39 | $0 | $39 | 0.18% |
| SHANE F LAMAY3 | 2517 CATTLEMEN ROAD UNIT 6301 SARASOTA, FL 34232 | AFLAC | $31 | $0 | $31 | 0.15% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $27 | $0 | $27 | 0.13% |
| BARTLEIN AND ASSOCIATES INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $25 | $0 | $25 | 0.12% |
| ROSE M SUDANO3 | 74 KNOX LANE LOT 208 MANALAPAN, NC 07726 | AFLAC | $11 | $0 | $11 | 0.05% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $9 | $0 | $9 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $6 | $0 | $6 | 0.03% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $5 | $0 | $5 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $2 | $0 | $2 | 0.01% |
| FRANCIS V CRUZ3 | 150 MAPLE DRIVE WEXFORD, PA 15090 | AFLAC | $2 | $0 | $2 | 0.01% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DRIVE SLIDELL, LA 70458 | AFLAC | $2 | $0 | $2 | 0.01% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 137 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $211K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $211K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $211K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $211K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $211K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 137 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.