| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RESOURCE GROUP | 4301 VINELAND ROAD, STE E5 ORLANDO, FL 32811 | HEALTH OPTIONS | $88K | — | $88K | 6.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RES. GRP OF FL | 4301 VINELAND RD STE E5 ORLANDO, FL 328117371 | FLORIDA COMBINED LIFE | $24K | — | $24K | 15.14% |
| JOHN GOERGEN3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $757 | — | $757 | 0.48% |
| MARNI WARD LLC3 | 1102 ALMOND TREE CIR ORLANDO, FL 32835 | AFLAC | $6K | $552 | $7K | 8.41% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RES GROUP | 1101 NORTH LAKE DESTINY RD. STE 100 MAITLAND, FL 32751 | AFLAC | $3K | — | $3K | 3.33% |
| TEAM WEISS AND ASSOC LLC3 Filed as: TEAM WEISS & ASSOC. LLC | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $2K | $96 | $2K | 2.78% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD., STE 201D ORLANDO, FL 32809 | AFLAC | $654 | — | $654 | 0.84% |
| LINDA JOHNSON SOLUTIONS INC.3 | 480 PEPPERMILL CIR. KISSIMMEE, FL 34758 | AFLAC | $286 | — | $286 | 0.37% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR. | 15 N INDIAN RIVER DR. APT 705 COCOA, FL 32922 | AFLAC | $85 | — | $85 | 0.11% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOC. INC. | 300 CAHABA PARK CIR. STE 133 BIRMINGHAM, AL 35242 | AFLAC | $62 | — | $62 | 0.08% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 30339 | AFLAC | $50 | — | $50 | 0.06% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $32 | — | $32 | 0.04% |
| PAMELA CLEEK SMITH3 | 451 HUNTINGTON AVE. WINTER PARK, FL 32789 | AFLAC | $27 | — | $27 | 0.03% |
| KELLY L KUTCHER3 Filed as: KELLY KUTCHER | 785 GLENWOOD DR. LAKE MARY, FL 32746 | AFLAC | $19 | — | $19 | 0.02% |
| PATRICIA ANNE REILLY3 | 269 E. LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $16 | — | $16 | 0.02% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 1224 PEACOCK AVE., STE 205 COLUMBUS, GA 31906 | AFLAC | $15 | — | $15 | 0.02% |
| RUBICON REGION LLC3 | 110 LAKE ST. STE 430 OAK PARK, IL 60301 | AFLAC | $14 | — | $14 | 0.02% |
| THOMAS MCINTOSH3 | 1109 CLINGING VINE PL WINTER SPRINGS, FL 32708 | AFLAC | $12 | — | $12 | 0.02% |
| LINDA CAMPBELL3 | 174 PALMETTO GREEN DR. LONGS, SC 29568 | AFLAC | $12 | — | $12 | 0.02% |
| LINDA SAURI3 | PO BOX 520914 LONGWOOD, FL 32752 | AFLAC | $12 | — | $12 | 0.02% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON & ASSOC. INC. | PO BOX 30668 PALM BEACH GARDENS, FL 32420 | AFLAC | $12 | — | $12 | 0.02% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD. DOVER, FL 33527 | AFLAC | $11 | — | $11 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 PAT. 208 CHARLOTTE, NC 28269 | AFLAC | $11 | — | $11 | 0.01% |
| TLW VENTURES LLC3 | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $9 | — | $9 | 0.01% |
| DAWN T SUCHECKI3 Filed as: DAWN T. SUCHECKI | 225 S WATER ST. WILMINGTON, NC 28401 | AFLAC | $9 | — | $9 | 0.01% |
| JEANNE COKER3 | 734 CHEROKEE RD. LAGRANGE, GA 30240 | AFLAC | $9 | — | $9 | 0.01% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR. ST. SIMONS ISLAND, GA 31522 | AFLAC | $6 | — | $6 | 0.01% |
| THE MASTERS AGENCY INC6 Filed as: THE MASTERS AGENCY | 4192 PENINSULA PT. SANFORD, FL 32771 | AFLAC | $6 | — | $6 | 0.01% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHODOWMOSS CIR. LAKE MARY, FL 32746 | AFLAC | $4 | — | $4 | 0.01% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR. NEWPORT, NC 28570 | AFLAC | $4 | — | $4 | 0.01% |
| HOLLI DUNCAN3 | FLORIDA BLUE 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $294 | — | $294 | 0.86% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESOURCE | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 108 | $34K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 149 | $15K |
| Life insurance | FLORIDA COMBINED LIFE | 280 | $158K |
| Short-term disability | FLORIDA COMBINED LIFE | 280 | $158K |
| Long-term disability | FLORIDA COMBINED LIFE | 280 | $158K |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 280 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.