| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES, INC. | 26829 TANIC DR STE 101 WESLEY CHAPEL, FL 33544 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 8.04% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS | 5426 BAY CENTER DR, STE 550 TAMPA, FL 336093406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $133 | — | $133 | 0.04% |
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $7K | $523 | $8K | 3.28% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $5K | $230 | $5K | 2.25% |
| CLINT MATHEW ZWAYER3 | 111 MEDICAL CENTER AVE SEBRING, FL 33870 | AFLAC | $2K | — | $2K | 0.77% |
| BARBARA SUSAN HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $2K | $192 | $2K | 0.76% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $2K | — | $2K | 0.76% |
| JAN HAMBY ALDAMUY3 | 2031 MONTEGO CT OLDSMAR, FL 34677 | AFLAC | $1K | $39 | $1K | 0.49% |
| TINA MARIE MURRAY3 Filed as: TINA MURRAY | 111 MEDICAL CENTER AVE SEBRING, FL 33870 | AFLAC | $790 | $219 | $1K | 0.44% |
| TINA MARIE MURRAY3 | 233 E CENTER AVE SEBRING, FL 33870 | AFLAC | $953 | $52 | $1K | 0.43% |
| KATHRYN SUZANNE AXENTE3 | 500 N WEST SHORE BLVD STE 1015 TAMPA, FL 33609 | AFLAC | $810 | $149 | $959 | 0.41% |
| RONALD INFANTINO3 | 9380 SW 170TH PATH APT 8-102 MIAMI, FL 33196 | AFLAC | $883 | — | $883 | 0.38% |
| SUSAN C BRIMHALL3 | PO POX 336 SMITHS STATION, AL 36877 | AFLAC | $529 | — | $529 | 0.23% |
| SUSAN L O'CONNOR3 | 3433 LITHIA PINECREST RD STE 294 VALRICO, FL 33596 | AFLAC | $466 | $13 | $479 | 0.21% |
| JMG BUSINESS PARTNERS LLC3 | 102 S EVERS ST STE 101 PLANT CITY, FL 33563 | AFLAC | $437 | $29 | $466 | 0.20% |
| JENNIFER B MOREHEAD3 | 13412 WHITBY RD HUDSON, FL 34667 | AFLAC | $329 | $114 | $443 | 0.19% |
| NICOLE LYNN RIHANEK3 | 9895 ERMA RD UNIT 308 SAN DIEGO, CA 92131 | AFLAC | $392 | $7 | $399 | 0.17% |
| DAVID E BARTSCHY3 | 48 BRADSHAW RD HIAWASSEE, GA 30546 | AFLAC | $388 | — | $388 | 0.17% |
| BRIAN A INFANTINO3 | 38070 DAUGHTERY RD ZEPHYRHILLS, FL 33540 | AFLAC | $384 | — | $384 | 0.17% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTHPORT, AL 35476 | AFLAC | $340 | $33 | $373 | 0.16% |
| JAY KAMINSKY3 | 6840 12TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $342 | — | $342 | 0.15% |
| ROSE WALSH3 | 6047 WESLEY BROOK DR WESLEY CHAPEL, FL 33545 | AFLAC | $327 | — | $327 | 0.14% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $324 | — | $324 | 0.14% |
| SETH VAN STEENBERGEN3 Filed as: SETH A VAN STEENBERGEN | 16208 MARSHFIELD DR TAMPA, FL 33624 | AFLAC | $301 | $10 | $311 | 0.13% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $277 | $24 | $301 | 0.13% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $297 | — | $297 | 0.13% |
| NICOLE LYNN RIHANEK3 | 2311 MID LN APT 901 HOUSTON, TX 77027 | AFLAC | $249 | $25 | $274 | 0.12% |
| JERRY R MAUREY3 | 34401 SMART DR ZEPHYRHILLS, FL 33541 | AFLAC | $244 | $26 | $270 | 0.12% |
| MATTHEW SHANE STRONG3 | 5628 SKINNER DR APOLLO BEACH, FL 33572 | AFLAC | $250 | — | $250 | 0.11% |
| JULIE C TRULUCK INC3 | 8721 CYPRESS RESERVE CIR ORLANDO, FL 32836 | AFLAC | $197 | — | $197 | 0.09% |
| REBECCA WILLMORE3 | 17449 QUEENSLAND STREET LAND O LAKES, FL 34638 | AFLAC | $189 | — | $189 | 0.08% |
| ROSALYNE BRISSON3 | 5245 DARTMOUTH AVE N ST PETERSBURG, FL 33710 | AFLAC | $187 | — | $187 | 0.08% |
| BRIAN A INFANTINO3 | 343 MAJORCA AVE PH1 CORAL GABLES, FL 33134 | AFLAC | $184 | — | $184 | 0.08% |
| WILLIAM WHITE3 | 1635 SPINNING WHEEL DR LUTZ, FL 33559 | AFLAC | $183 | — | $183 | 0.08% |
| CLINT MATHEW ZWAYER3 | 3840 CITROEN DR SEBRING, FL 33872 | AFLAC | $180 | — | $180 | 0.08% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $170 | — | $170 | 0.07% |
| MARIANNE F BOOTH3 | PO BOX 359 TRILBY, FL 33593 | AFLAC | $141 | $25 | $166 | 0.07% |
| STEFAN E SCHULT3 | 233 E CENTER AVENUE SEBRING, FL 33870 | AFLAC | $122 | $44 | $166 | 0.07% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $165 | — | $165 | 0.07% |
| JAMES H STOFFER JR3 | 1970 FRUITRIDGE ST BRANDON, FL 33510 | AFLAC | $100 | $62 | $162 | 0.07% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $141 | $14 | $155 | 0.07% |
| SCOTT L EELLS3 | 100 HAMPTON RD LOT 100 CLEARWATER, FL 33759 | AFLAC | $148 | $5 | $153 | 0.07% |
| MATTHEW SMITH3 Filed as: MATTHEW GABRIEL WALSH | 6047 WESLEY BROOK DR WESLEY CHAPEL, FL 33545 | AFLAC | $146 | — | $146 | 0.06% |
| STEFAN E SCHULT3 | 233 E CENTER AVENUE SEBRING, FL 33870 | AFLAC | $140 | — | $140 | 0.06% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND TAMPA, FL 33634 | AFLAC | $137 | — | $137 | 0.06% |
| AIMEE BRANDON3 Filed as: AIMEE ZWEIL BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $132 | — | $132 | 0.06% |
| VICTORRIO PAUL ZANIOL INC3 | 7511 BURLINGTON AVE N ST PETERSBURG, FL 33710 | AFLAC | $124 | — | $124 | 0.05% |
| JULIE KEENE3 | 6409 VARN RD PLANT CITY, FL 33565 | AFLAC | $117 | — | $117 | 0.05% |
| DENISE MAUREEN WAITE3 Filed as: DENISE M WAITE | 2011 E CLIFTON ST TAMPA, FL 33610 | AFLAC | $73 | $40 | $113 | 0.05% |
| DANIEL E TORRES3 | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $106 | — | $106 | 0.05% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $100 | — | $100 | 0.04% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTH PORT, AL 35476 | AFLAC | $95 | — | $95 | 0.04% |
| KRYSTINA S EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $94 | — | $94 | 0.04% |
| KELLEY A GULLION3 | 13718 COOPER RD SPRING HILL, FL 34609 | AFLAC | $88 | — | $88 | 0.04% |
| ROBERT WAYNE NELSON III3 | 6803 MOORING WAY TAMPA, FL 33615 | AFLAC | $86 | — | $86 | 0.04% |
| AMANDA LIVINGSTON3 | 591 RUTHERFORD BLVD SEBRING, FL 33875 | AFLAC | $86 | — | $86 | 0.04% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $82 | — | $82 | 0.04% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $82 | — | $82 | 0.04% |
| BANYASH & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $80 | — | $80 | 0.03% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $79 | — | $79 | 0.03% |
| JMG BUSINESS PARTNERS LLC3 | 3001 VIA PARMA ST PLANT CITY, FL 33566 | AFLAC | $69 | $6 | $75 | 0.03% |
| RONALD INFANTINO3 | 7242 SW 163RD CT MIAMI, FL 33193 | AFLAC | $71 | — | $71 | 0.03% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $63 | — | $63 | 0.03% |
| STEPHEN M MCMANUS3 | 6132 LEELAND ST S ST PETERSBURG, FL 33715 | AFLAC | $44 | $18 | $62 | 0.03% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $62 | — | $62 | 0.03% |
| GREG L BENJAMIN3 | 3118 GULF TO BAY BLVD STE 100 CLEARWATER, FL 33759 | AFLAC | $61 | — | $61 | 0.03% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR SE STE 900 ATLANTA, GA 30339 | AFLAC | $58 | — | $58 | 0.03% |
| SANDRA L SIMMONS3 | 10363 QUALITY DR APT 108 SPRING HILL, FL 34609 | AFLAC | $57 | — | $57 | 0.02% |
| JL & ASSOCIATES INC3 | 8030 W EMERALD ST STE 185 BOISE, ID 83704 | AFLAC | $54 | — | $54 | 0.02% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $48 | $5 | $53 | 0.02% |
| JASON TERRY3 | 19337 PADDOCK VIEW DR TAMPA, FL 33647 | AFLAC | $47 | — | $47 | 0.02% |
| WILLIAM S SCOTT JR3 | PO BOX 886 HAVANA, FL 32333 | AFLAC | $43 | — | $43 | 0.02% |
| MARGARET E CLARDY3 | P O BOX 7208 WINTER HAVEN, FL 33883 | AFLAC | $36 | — | $36 | 0.02% |
| JUSTIN RYAN3 Filed as: JUSTIN SCOTT RYAN | 1076 E BRANDON BLVD STE 112 BRANDON, FL 33511 | AFLAC | $26 | — | $26 | 0.01% |
| DEREK DEVANE3 Filed as: DEREK DEWAYNE DEVANE | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $24 | — | $24 | 0.01% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $24 | — | $24 | 0.01% |
| MATTHEW HAND3 Filed as: MATTHEW R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | AFLAC | $23 | — | $23 | 0.01% |
| SEAN E MORRES3 | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $18 | $4 | $22 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $21 | — | $21 | 0.01% |
| MARYURY YULAIMIS BERRONES3 | 233 E CENTER AVE SEBRING, FL 33870 | AFLAC | $20 | — | $20 | 0.01% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $20 | — | $20 | 0.01% |
| CORRINE A DUROURE3 | 557 BOCA CIEGA POINT BLVD N ST PETERSBURG, FL 33708 | AFLAC | $20 | — | $20 | 0.01% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $18 | — | $18 | 0.01% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $18 | — | $18 | 0.01% |
| E J DIAZ INC3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $15 | — | $15 | 0.01% |
| KATHLEEN E DIAZ3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $14 | — | $14 | 0.01% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $14 | — | $14 | 0.01% |
| JERRY ALFORD3 | 40374 SW FOREST RD 181 BRISTOL, FL 32321 | AFLAC | $13 | — | $13 | 0.01% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $12 | — | $12 | 0.01% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $11 | — | $11 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $11 | — | $11 | 0.00% |
| VICTORRIO PAUL ZANIOL INC3 | 7301 6TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $11 | — | $11 | 0.00% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $10 | — | $10 | 0.00% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $9 | — | $9 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $7 | — | $7 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE RD LITHIA, FL 33547 | AFLAC | $5 | — | $5 | 0.00% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.00% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT J PELZEL3 | 1718 WHISPERING DR E LARGO, FL 33771 | AFLAC | $4 | — | $4 | 0.00% |
| ROBERT J PELZEL3 | 555 BELCHER RD S LARGO, FL 33771 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DR GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT P FERRONE3 | 8168 CENTRAL PARK WAY N APT 202 MAPLE GROVE, MN 55369 | AFLAC | $1 | — | $1 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS | 11032 58TH STREET CIR E PARRISH, FL 34219 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS, INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 12770 MERIT DR STE 200 DALLAS, TX 75251 | $453K |
| CHERRY BEKAERT LLP EIN 56-0574444 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| POSITIVE PRINTING EIN 47-4580336 NONE | Copying and duplicating; Participant communication; Direct payment from the plan Service code 36 | — | $12K |
| MERCER EIN 34-2015463 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | -$41K |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 383 | $231K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $541K |
| Short-term disability | AFLAC | 383 | $231K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $541K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE | 556 | $474K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.