| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RESOURCE GROUP | 1101 NORTH LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $75K | $0 | $75K | 5.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RES. GRP OF FL | 1101 NORTH LAKE DESTINY RD STE 100 MAITLAND, FL 327517112 | USABLE LIFE | $24K | $5K | $28K | 14.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF FL | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $7K | $1K | $8K | 4.40% |
| THE INSUR & PAYROLL RES GRP OF FL3 | 1101 NORTH LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | FLORIDA COMBINED LIFE | $9K | $0 | $9K | 9.09% |
| MARNI WARD LLC3 | 1102 ALMOND TREE CIR ORLANDO, FL 32835 | AFLAC | $5K | $162 | $6K | 7.15% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RES GROUP | 2221 LEE RD. STE 18 WINTER PARK, FL 32798 | AFLAC | $3K | $0 | $3K | 3.32% |
| CINDY DEBRA WEISS3 | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $1K | $52 | $1K | 1.67% |
| JASMINE DORITY3 Filed as: JASMINE KAY DORITY | 1015 E SUNRISE BLVD. UNIT 107 FORT LAUDERDALE, FL 33304 | AFLAC | $1K | $0 | $1K | 1.30% |
| RUBEN ROSE3 | 933 LEE RD., STE 200 ORLANDO, FL 32810 | AFLAC | $647 | $0 | $647 | 0.83% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD., STE 201D ORLANDO, FL 32809 | AFLAC | $453 | $0 | $453 | 0.58% |
| CARRIE DIANE ROBERTS3 | PO BOX 560772 ROCKLEDGE, FL 32956 | AFLAC | $147 | $46 | $193 | 0.25% |
| BRENDA HEATH3 | 645 NEWTON ST. OVIEDO, FL 32765 | AFLAC | $62 | $34 | $96 | 0.12% |
| JANINE S WEBB3 | 117 BERKELEY ST SATELLITE BEACH, FL 32937 | AFLAC | $63 | $14 | $77 | 0.10% |
| KENIA ELIZABETH STURGIS3 | 4398 FINCH LN. KISSIMMEE, FL 34746 | AFLAC | $30 | $39 | $69 | 0.09% |
| PATRICIA ESPARZA3 | 1675 GAYLE AVE TITUSVILLE, FL 32780 | AFLAC | $53 | $15 | $68 | 0.09% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR. | 1656 GRAND ISLE BLVD. MELBOURNE, FL 32940 | AFLAC | $67 | $0 | $67 | 0.09% |
| DAWN M WITTFELT3 Filed as: DAWN WITTFELT | 810 RIVER RD. SYKESVILLE, MD 21784 | AFLAC | $59 | $0 | $59 | 0.08% |
| BONNETT AND ASSOCIATES LLC3 | 7 OAK ST. UNIT 102 COCOA, FL 32922 | AFLAC | $38 | $14 | $52 | 0.07% |
| DAVID B WARD3 | PO BOX 1043 GOTHA, FL 34734 | AFLAC | $46 | $0 | $46 | 0.06% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOC. INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $45 | $0 | $45 | 0.06% |
| 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 | $31 | $0 | $31 | 0.04% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $29 | $0 | $29 | 0.04% |
| KAREN A STONER3 Filed as: KAREN STONER | 10170 CAPE ANNE DR. COLUMBIA, MD 21046 | AFLAC | $25 | $0 | $25 | 0.03% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR. DAYTON, MD 21036 | AFLAC | $22 | $0 | $22 | 0.03% |
| PAMELA CLEEK SMITH3 | 451 HUNTINGTON AVE WINTER PARK, FL 32789 | AFLAC | $20 | $0 | $20 | 0.03% |
| KELLY KUTCHER3 | 785 GLENWOOD DR. LAKE MARY, FL 32746 | AFLAC | $19 | $0 | $19 | 0.02% |
| JEANNE COKER3 | 734 CHEROKEE RD. LAGRANGE, GA 30240 | AFLAC | $16 | $0 | $16 | 0.02% |
| PATRICIA ANNE REILLY3 | 269 E. LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $13 | $0 | $13 | 0.02% |
| JENNIFER QUINTERO3 | PO BOX 1164 CLAYTON, NC 27528 | AFLAC | $12 | $0 | $12 | 0.02% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $11 | $0 | $11 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD. DOVER, FL 33527 | AFLAC | $11 | $0 | $11 | 0.01% |
| DENA JORDAN3 Filed as: DENA JORDAN KILGORE | 5753 HIGHWAY 85 N PMB 8179 CRESTVIEW, FL 32536 | AFLAC | $10 | $0 | $10 | 0.01% |
| LINDA B CAMPBELL3 Filed as: LINDA CAMPBELL | 174 PALMETTO GREEN DR. LONGS, SC 29568 | AFLAC | $10 | $0 | $10 | 0.01% |
| TANYA L WINCHESTER3 Filed as: TANYA WINCHESTER | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $10 | $0 | $10 | 0.01% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR. NEWPORT, NC 28570 | AFLAC | $8 | $0 | $8 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST. WILMINGTON, NC 28401 | AFLAC | $7 | $0 | $7 | 0.01% |
| MARK C LEE3 Filed as: MARK CHARLES LEE | 8229 FRANK HOUSER AVE COLUMBUS, GA 31909 | AFLAC | $5 | $0 | $5 | 0.01% |
| AARON K NELSON3 | 13533 HIDDEN FOREST DIR ORLANDO, FL 32828 | AFLAC | $1 | $4 | $5 | 0.01% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $3 | $0 | $3 | 0.00% |
| TANYA L WINCHESTER3 Filed as: TANYA L. RUHL | 9825 SANDY PINES RD CLEARMONT, FL 34711 | 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% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON JR. | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DR. LAGRANGE, GA 30241 | AFLAC | $2 | $0 | $2 | 0.00% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RES. GRP OF FL | 1101 NORTH LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 9.08% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 165 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 194 | $100K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 148 | $20K |
| Life insurance | USABLE LIFE | 269 | $193K |
| Short-term disability | USABLE LIFE | 269 | $193K |
| Long-term disability | USABLE LIFE | 269 | $193K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 165 | $1.5M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 269 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.