| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RESOURCE GROUP | OF FLORIDA 1101 N LAKE DESTINY RD, STE 100 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $83K | $116K | 8.03% |
| MARNI WARD LLC3 | 1102 ALMOND TREE CIR ORLANDO, FL 32835 | AFLAC | $4K | $100 | $4K | 6.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GROUP | 1101 NORTH LAKE DESTINY RD. STE 100 MAITLAND, FL 32751 | AFLAC | $2K | — | $2K | 2.92% |
| KENIA ELIZABET STURGIS3 | 4398 FINCH LN KISSIMMEE, FL 34746 | AFLAC | $213 | $1K | $2K | 2.15% |
| TEAM WEISS AND ASSOC LLC3 Filed as: TEAM WEISS & ASSOC. LLC | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $1K | $32 | $1K | 1.62% |
| CINDY DEBRA WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $528 | $0 | $528 | 0.75% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD., STE 201D ORLANDO, FL 32809 | AFLAC | $507 | — | $507 | 0.72% |
| BRENDA L HEATH3 | 645 NEWTON ST OVIEDO, FL 32765 | AFLAC | $244 | $0 | $244 | 0.35% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L TRAPNELL JR. | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $74 | — | $74 | 0.10% |
| DAWN M WITTFELT3 Filed as: DAWN WITTFELT | 810 RIVER RD. SYKESVILLE, MD 21784 | AFLAC | $59 | $0 | $59 | 0.08% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES. INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $49 | $0 | $49 | 0.07% |
| DAVID B WARD3 | PO BOX 1043 GOTHA, FL 34734 | AFLAC | $46 | — | $46 | 0.07% |
| MARK D STONER3 | 10170 CAPE ANN DR. COLUMBIA, MD 21046 | AFLAC | $45 | $0 | $45 | 0.06% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 30339 | AFLAC | $34 | $0 | $34 | 0.05% |
| AARON K NELSON3 | 13533 HIDDEN FOREST CIR ORLANDO, FL 32828 | AFLAC | $33 | $0 | $33 | 0.05% |
| CARMELO A SCHELMETY3 | 14139 COLONIAL GRAND BLVD. APT 1503 ORLANDO, FL 32837 | AFLAC | $30 | — | $30 | 0.04% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $29 | $0 | $29 | 0.04% |
| PAMELA CLEEK SMITH3 | 451 HUNTINGTON AVE. WINTER PARK, FL 32789 | AFLAC | $27 | $0 | $27 | 0.04% |
| KAREN A STONER3 Filed as: KAREN STONER | 10170 CAPE ANNE DR. COLUMBIA, MD 21046 | AFLAC | $25 | $0 | $25 | 0.04% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR. DAYTON, MD 21036 | AFLAC | $22 | $0 | $22 | 0.03% |
| KELLY L KUTCHER3 Filed as: KELLY KUTCHER | 785 GLENWOOD DR. LAKE MARY, FL 32746 | AFLAC | $19 | $0 | $19 | 0.03% |
| PATRICIA ANNE REILLY3 | 269 E. LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $12 | $0 | $12 | 0.02% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $12 | $0 | $12 | 0.02% |
| LINDA CAMPBELL3 | 174 PALMETTO GREEN DR. LONGS, SC 29568 | AFLAC | $11 | $0 | $11 | 0.02% |
| LINDA JOHNSON SOLUTIONS INC.3 Filed as: LINDA D JOHNSON | 480 PEPPERMILL CIR KISSIMMEE, FL 34758 | AFLAC | $10 | — | $10 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD. DOVER, FL 33527 | AFLAC | $10 | $0 | $10 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT. 208 CHARLOTTE, NC 28269 | AFLAC | $10 | $0 | $10 | 0.01% |
| JENNIFER QUINTERO3 | PO BOX 1164 CLAYTON, NC 27528 | AFLAC | $10 | $0 | $10 | 0.01% |
| TANYA L WINCHESTER3 Filed as: TANYA L. WINCHESTER | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $9 | $0 | $9 | 0.01% |
| THOMAS MCINTOSH3 | 1109 CLINGING VINE PL WINTER SPRINGS, FL 32708 | AFLAC | $9 | $0 | $9 | 0.01% |
| LINDA SAURI3 | PO BOX 520914 LONGWOOD, FL 32752 | AFLAC | $9 | $0 | $9 | 0.01% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON & ASSOC. INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $9 | $0 | $9 | 0.01% |
| JEANNE COKER3 | 734 CHEROKEE RD. LAGRANGE, GA 30240 | AFLAC | $9 | $0 | $9 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST. WILMINGTON, NC 28401 | AFLAC | $7 | $0 | $7 | 0.01% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $5 | $0 | $5 | 0.01% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR. ST. SIMONS ISLAND, GA 31522 | AFLAC | $5 | $0 | $5 | 0.01% |
| THE MASTERS AGENCY INC6 Filed as: THE MASTERS AGENCY | 4192 PENINSULA PT. SANFORD, FL 32771 | AFLAC | $5 | — | $5 | 0.01% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR. NEWPORT, NC 28570 | AFLAC | $5 | $0 | $5 | 0.01% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $3 | $0 | $3 | 0.00% |
| MARK C LEE3 Filed as: MARK C. LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $3 | $0 | $3 | 0.00% |
| JENNIE MOORE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $2 | $0 | $2 | 0.00% |
| ASHLEY CROOK3 Filed as: ASHLEY L. CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $2 | $0 | $2 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $2 | $0 | $2 | 0.00% |
| RUBICON REGION LLC3 | 1862 KEYSTONE PL SCHAUMBURG, IL 60193 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 3719 SW 74TH DR GAINESVILLE, FL 32608 | AFLAC | $1 | $0 | $1 | 0.00% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON JR. | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $1 | $0 | $1 | 0.00% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 1862 KEYSTONE PL SCHAUMBERG, IL 60193 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $1.4M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $1.4M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.