| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS SAUNDERS3 | 3520 THOMASVILLE ROAD TALLAHASSEE, FL 32309 | CAPITAL HEALTH PLAN | $34K | $0 | $34K | 2.73% |
| BROWN & BROWN INSURANCE SERVICES3 | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 9.12% |
| BROWN & BROWN INSURANCE SERVICES3 | 1201 WEST CYPRESS SCREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.49% |
| BROWN & BROWN INSURANCE SERVICES3 | 1604 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.10% |
| MIRIAM C WATKINS3 Filed as: MIRIAM C. WATKINS | 3456 EXMOUTH LANE TALLAHASSEE, FL 32317 | AFLAC | $4K | $212 | $4K | 9.44% |
| DOUG LLOYD SAUNDERS3 | 5320 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AFLAC | $1K | $0 | $1K | 2.47% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DRIVE EAST SUITE 101B TALLAHASSEE, FL 32308 | AFLAC | $843 | $55 | $898 | 1.91% |
| MJ INSURANCE3 Filed as: CHARON JOHNSON AND VARIOUS AGENTS | 830 PALM BEACH STREET TALLAHASSEE, FL 32310 | AFLAC | $491 | $0 | $491 | 1.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INC OF TALLAHASSEE | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AFLAC | $477 | — | $477 | 1.02% |
| LEON KOKAL3 | 632-2 RUSSET WOODS LANE AURORA, OH 44202 | AFLAC | $58 | $0 | $58 | 0.12% |
| ASSURANCE AGENCY LTD3 Filed as: CROSS ASSURANCE GROUP INC | PO BOX 15631 TALLAHASSEE, FL 32317 | AFLAC | $55 | $0 | $55 | 0.12% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL HEALTH PLAN | 171 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $108K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $108K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $108K |
| Short-term disability | AFLAC | 72 | $47K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $108K |
| Prescription drug | CAPITAL HEALTH PLAN | 171 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.