| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $13K | $841 | $14K | 4.94% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $10K | $826 | $11K | 3.73% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $7K | $402 | $7K | 2.41% |
| KATHRYN SUZANNE AXENTE3 | 500 N WEST SHORE BLVD STE 105 TAMPA, FL 33609 | AFLAC | $3K | $426 | $4K | 1.32% |
| TINA MARIE MURRAY3 | 591 RUTHERFORD BLVD SEBRING, FL 33875 | AFLAC | $2K | $56 | $2K | 0.78% |
| ROSE WALSH3 | 6047 WESLEY BROOK DR WESLEY CHAPEL, FL 33545 | AFLAC | $879 | $174 | $1K | 0.37% |
| BARBARA SUSAN HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $838 | $185 | $1K | 0.36% |
| RONALD INFANTINO3 | 7242 SW 163RD CT MIAMI, FL 33193 | AFLAC | $952 | — | $952 | 0.33% |
| LISA LYNN STEPHENS3 | 4801 14TH AVE NO ST PETERSBURG, FL 33713 | AFLAC | $781 | — | $781 | 0.27% |
| MAX U PEETERS3 | 8913 HANNIGAN CT TAMPA, FL 33626 | AFLAC | $539 | $130 | $669 | 0.23% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $610 | $32 | $642 | 0.22% |
| STEFAN E SCHULT3 | 233 E CENTER AVENUE SEBRING, FL 33870 | AFLAC | $535 | $25 | $560 | 0.19% |
| BRIAN A INFANTINO3 | 343 MAJORCA AVE PH 1 CORAL GABLES, FL 33134 | AFLAC | $557 | — | $557 | 0.19% |
| ROBERT WAYNE NELSON III3 | 6803 MOORING WAY TAMPA, FL 33615 | AFLAC | $447 | $44 | $491 | 0.17% |
| JENNIFER B MOREHEAD3 | 312 15TH AVE NE SAINT PETERSBURG, FL 33704 | AFLAC | $473 | — | $473 | 0.16% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $421 | — | $421 | 0.15% |
| DAVID E BARTSCHY3 | 48 BRADSHAW RD HIAWASSEE, GA 30546 | AFLAC | $369 | — | $369 | 0.13% |
| REBECCA WILLMORE3 | 17449 QUEENSLAND STREET LAND O LAKES, FL 34638 | AFLAC | $293 | $51 | $344 | 0.12% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $290 | $45 | $335 | 0.12% |
| SCOTT T EELLS3 | 13313 N OREGON AVE TAMPA, FL 33612 | AFLAC | $289 | $35 | $324 | 0.11% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $324 | — | $324 | 0.11% |
| JULIE C TRULUCK INC3 | 8721 CYPRESS RESERVE CIR ORLANDO, FL 32836 | AFLAC | $321 | — | $321 | 0.11% |
| JENNIFER B MOREHEAD3 | 13412 WHITBY RD HUDSON, FL 34667 | AFLAC | $308 | — | $308 | 0.11% |
| GRAVES INC3 | 5336 CAPTAINS CT NEW PORT RICHEY, FL 34652 | AFLAC | $292 | — | $292 | 0.10% |
| MATTHEW SMITH3 Filed as: MATTHEW GABRIEL WALSH | 6047 WESLEY BROOK DR WESLEY CHAPEL, FL 33545 | AFLAC | $266 | — | $266 | 0.09% |
| BERRONES & ASSOCIATES INC3 Filed as: BERRONES & ASSOCIATES INC. | 3585 S HIGHLANDS AVE SEBRING, FL 33870 | AFLAC | $163 | $70 | $233 | 0.08% |
| BANYASH & ASSOCIATES INC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $226 | $2 | $228 | 0.08% |
| JULIE KEENE3 | 6409 VARN RD PLANT CITY, FL 33565 | AFLAC | $210 | $18 | $228 | 0.08% |
| ROSALYNE BRISSON3 | 5245 DARTMOUTH AVE N ST PETERSBURG, FL 33710 | AFLAC | $227 | — | $227 | 0.08% |
| KELLEY A GULLION3 | 13718 COOPER RD SPRING HILL, FL 34609 | AFLAC | $227 | — | $227 | 0.08% |
| GREG L BENJAMIN3 | 3118 GULF TO BAY BLVD STE 100 CLEARWATER, FL 33759 | AFLAC | $179 | $46 | $225 | 0.08% |
| DENISE MAUREEN WAITE3 Filed as: DENISE M WAITE | 2011 E CLIFTON ST TAMPA, FL 33610 | AFLAC | $224 | — | $224 | 0.08% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN STE 525 OLDSMAR, FL 34677 | AFLAC | $213 | — | $213 | 0.07% |
| VICTORRIO PAUL ZANIOL INC3 | 7301 6TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $199 | — | $199 | 0.07% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $167 | — | $167 | 0.06% |
| LOCKWOOD INSURANCE3 | 1463 OAKFIELD DR STE 131 BRANDON, FL 33511 | AFLAC | $161 | — | $161 | 0.06% |
| JASON TERRY3 | 19337 PADDOCK VIEW DR TAMPA, FL 33647 | AFLAC | $143 | $9 | $152 | 0.05% |
| LOCKWOOD INSURANCE3 | 1426 E IRON EAGLE DR EAGLE, ID 83616 | AFLAC | $141 | $11 | $152 | 0.05% |
| ROBERT J PELZEL3 | 1718 WHISPERING DR E LARGO, FL 33771 | AFLAC | $147 | — | $147 | 0.05% |
| SUSAN L O'CONNOR3 | 3433 LITHIA PINECREST RD STE 294 VALRICO, FL 33596 | AFLAC | $146 | — | $146 | 0.05% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $145 | — | $145 | 0.05% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $116 | $9 | $125 | 0.04% |
| SANDRA L SIMMONS3 | 13063 COUNTY LINE RD #35 SPRING HILL, FL 34609 | AFLAC | $114 | — | $114 | 0.04% |
| BANYASH & ASSOCIATES INC3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $105 | — | $105 | 0.04% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE RD LITHIA, FL 33547 | AFLAC | $86 | $18 | $104 | 0.04% |
| TIMOTHY MCVEY3 | 3646 SAPPHIRE LN PALM HARBOR, FL 34684 | AFLAC | $103 | — | $103 | 0.04% |
| STEPHEN M MCMANUS3 | 6132 LEELAND ST S ST PETERSBURG, FL 33715 | AFLAC | $99 | — | $99 | 0.03% |
| JOHN MICHAEL GRUBBS3 | 34931 US HWY 19N PALM HARBOR, FL 34684 | AFLAC | $84 | $10 | $94 | 0.03% |
| DAMARIS THEODORA CORNETT3 | 9522 N TAMPA ST TAMPA, FL 33612 | AFLAC | $88 | — | $88 | 0.03% |
| MATTHEW HAND3 Filed as: MATTHEW R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | AFLAC | $81 | — | $81 | 0.03% |
| MARYURY YULAIMIS BERRONES3 | P O BOX 3525 SEBRING, FL 33871 | AFLAC | $76 | — | $76 | 0.03% |
| DIANNA SICARD3 | P O BOX 260732 TAMPA, FL 33685 | AFLAC | $63 | — | $63 | 0.02% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $61 | — | $61 | 0.02% |
| DEREK DEVANE3 Filed as: DEREK DEWAYNE DEVANE | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $54 | — | $54 | 0.02% |
| PAMELA JUNE WINDHAM3 | 6205 YORKSHIRE CT APT 244 TAMPA, FL 33614 | AFLAC | $49 | — | $49 | 0.02% |
| BERRONES & ASSOCIATES INC3 | P O BOX 3525 SEBRING, FL 33871 | AFLAC | $44 | — | $44 | 0.02% |
| DREW LOOSER3 Filed as: DREW THOMAS LOOSER | 2107 1ST ST S JACKSONVILLE BEACH, FL 32250 | AFLAC | $36 | $7 | $43 | 0.01% |
| JOHN ADCOCK INSURANCE AGENCY INC3 Filed as: JOHN ADCOCK INS AGENCY INC | 313 W FLETCHER AVE TAMPA, FL 33612 | AFLAC | $43 | — | $43 | 0.01% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $40 | — | $40 | 0.01% |
| JOHN MICHAEL GRUBBS3 | 7645 HOLLYRIDGE DR NEW PORT RICHEY, FL 34653 | AFLAC | $38 | — | $38 | 0.01% |
| REBECCA WILLMORE3 | 17449 QUEENSLAND ST LAND O LAKES, FL 34638 | AFLAC | $38 | — | $38 | 0.01% |
| JUSTIN RYAN3 Filed as: JUSTIN SCOTT RYAN | 5810 WHISTLEWOOD CIR SARASOTA, FL 34232 | AFLAC | $36 | — | $36 | 0.01% |
| WILLIAM S SCOTT JR3 | PO BOX 886 HAVANA, FL 32333 | AFLAC | $30 | — | $30 | 0.01% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $30 | — | $30 | 0.01% |
| ELEANOR M BREZNAY3 | 919 KEITH LANE AUBURNDALE, FL 33823 | AFLAC | $24 | $4 | $28 | 0.01% |
| MARK A LINSNER3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $27 | — | $27 | 0.01% |
| THOMAS A HOUSE3 | 2133 QUAIL HOLLOW DR BRUNSWICK, OH 44212 | AFLAC | $25 | — | $25 | 0.01% |
| E J DIAZ INC3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $25 | — | $25 | 0.01% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $25 | — | $25 | 0.01% |
| KATHLEEN E DIAZ3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $24 | — | $24 | 0.01% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $23 | — | $23 | 0.01% |
| JMG BUSINESS PARTNERS LLC3 | 1076 E BRANDON BLVD STE 112 BRANDON, FL 33511 | AFLAC | $23 | — | $23 | 0.01% |
| MARGARET E CLARDY3 | P O BOX 7208 WINTER HAVEN, FL 33883 | AFLAC | $21 | — | $21 | 0.01% |
| JANINE FOX3 | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $20 | — | $20 | 0.01% |
| GEORGE CRAIG RENTOS3 | 1250 S PINELLAS AVE #202 TARPON SPRINGS, FL 34689 | AFLAC | $19 | — | $19 | 0.01% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $18 | — | $18 | 0.01% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $18 | — | $18 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $18 | — | $18 | 0.01% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $14 | — | $14 | 0.00% |
| SEAN E MORRES3 | 10421 SAINT TROPEZ PL TAMPA, FL 33615 | AFLAC | $13 | — | $13 | 0.00% |
| JERRY ALFORD3 | 40374 SW FOREST RD 181 BRISTOL, FL 32321 | AFLAC | $12 | — | $12 | 0.00% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $11 | — | $11 | 0.00% |
| MARGARET E CLARDY3 | P O DRAWER 7208 WINTER HAVEN, FL 33883 | AFLAC | $11 | — | $11 | 0.00% |
| WILLIAM S SCOTT JR3 | P O BOX 886 HAVANA, FL 32333 | AFLAC | $9 | — | $9 | 0.00% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $8 | — | $8 | 0.00% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $7 | — | $7 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $6 | — | $6 | 0.00% |
| SEAN E MORRES3 Filed as: SEAN E MORRIS | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $6 | — | $6 | 0.00% |
| ROBERT L TRAPNELL JR3 | 19 N INDIAN RIVER DRIVE APT 701 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.00% |
| DANIEL C HARRIS3 | 900 OAKSIDE LN PITTSBURGH, PA 15229 | AFLAC | $5 | — | $5 | 0.00% |
| AUSTIN MICHAEL BARNES3 | 14506 MIRASOL MANOR COURT TAMPA, FL 33626 | AFLAC | $4 | — | $4 | 0.00% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $4 | — | $4 | 0.00% |
| MARTA M SASTRE3 | P O BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDY ANN HARTIN3 | 500 KNIGHTS RUN AVE UNIT 1801 TAMPA, FL 33602 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 3031 N ROCKY POINT DR W STE 700 TAMPA, FL 336075879 | HUMANA HEALTH PLAN, INC. | $33K | $1K | $34K | 12.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC-TAMPA | 3031 N ROCKY POINT DR W STE 700 TAMPA, FL 336075879 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 5.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $316K |
| CHERRY BEKAERT LLP EIN 56-0574444 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 532 | $558K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 470 | $28K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 587 | $464K |
| Short-term disability | AFLAC | 532 | $288K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 587 | $464K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 531 | $270K |
| Other(2 contracts, 2 carriers) | AFLAC | 587 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.