| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 | 600 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.47% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES,INC | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49 | $3K | $3K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.76% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $6K | $469 | $7K | 3.20% |
| JAN HAMBY ALDAMUY3 | 2031 MONTEGO CT OLDSMAR, FL 34677 | AFLAC | $6K | $474 | $7K | 3.18% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $1K | — | $1K | 0.64% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $868 | $29 | $897 | 0.44% |
| RONALD INFANTINO3 | 9380 SW 170TH PATH APT 8-102 MIAMI, FL 33196 | AFLAC | $804 | — | $804 | 0.39% |
| KAREN D SHATTUCK3 | 2298 AMERICUS BLVD E APT 6 CLEARWATER, FL 33763 | AFLAC | $644 | $62 | $706 | 0.34% |
| TINA MARIE MURRAY3 | 112 MEDICAL CENTER AVE SEBRING, FL 33870 | AFLAC | $519 | $15 | $534 | 0.26% |
| TRAVIS L WILLEY3 | 673 17TH ST S SARTELL, MN 56377 | AFLAC | $438 | $52 | $490 | 0.24% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $391 | $76 | $467 | 0.23% |
| RYAN DANZEY3 | 2105 ALLADIN ST SEBRING, FL 33875 | AFLAC | $402 | $29 | $431 | 0.21% |
| MITCHELL KOGGE3 | 11323 N 50TH APT 5 TAMPA, FL 33617 | AFLAC | $407 | $10 | $417 | 0.20% |
| BRIAN A INFANTINO3 | 38070 DAUGHTERY RD ZEPHYRHILLS, FL 33540 | AFLAC | $415 | — | $415 | 0.20% |
| SUSAN C BRIMHALL3 | PO POX 13877 MEXICO BEACH, FL 33410 | AFLAC | $393 | — | $393 | 0.19% |
| STEPHEN GRAZIANO3 | 45 LEE ROAD 2126 SALEM, AL 36874 | AFLAC | $301 | $55 | $356 | 0.17% |
| DAVID E BARTSCHY3 | 48 BRADSHAW RD HIAWASSEE, GA 30546 | AFLAC | $345 | — | $345 | 0.17% |
| BARBARA SUSAN HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $309 | $11 | $320 | 0.16% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33114 | AFLAC | $271 | — | $271 | 0.13% |
| ROSE M WALSH3 | 6047 WESLEY BROOK DR WESLEY CHAPEL, FL 33545 | AFLAC | $263 | — | $263 | 0.13% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $256 | — | $256 | 0.12% |
| AMANDA LIVINGSTON3 | 112 MEDICAL CENTER AVE SEBRING, FL 33870 | AFLAC | $195 | $41 | $236 | 0.11% |
| DANIEL E TORRES3 | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $214 | — | $214 | 0.10% |
| GROVE FINANCIAL LLC3 | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $188 | $14 | $202 | 0.10% |
| SUSAN L O'CONNOR3 | 3530 SAM ALLEN OAKS CIR PLANT CITY, FL 33565 | AFLAC | $198 | — | $198 | 0.10% |
| JMG BUSINESS PARTNERS LLC3 | 3001 VIA PARMA ST PLANT CITY, FL 33566 | AFLAC | $160 | $4 | $164 | 0.08% |
| CLINT MATHEW ZWAYER3 | 112 MEDICAL CENTER AVE SEBRING, FL 33870 | AFLAC | $140 | $17 | $157 | 0.08% |
| STEFAN E SCHULT3 | 4216 EILAND DR SEBRING, FL 33875 | AFLAC | $157 | — | $157 | 0.08% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $149 | — | $149 | 0.07% |
| NICOLE LYNN RIHANEK3 | 1205 6TH AVE APT 4312 BRADENTON, FL 34208 | AFLAC | $144 | — | $144 | 0.07% |
| SCOTT L EELLS3 | 100 HAMPTON RD LOT 100 CLEARWATER, FL 33759 | AFLAC | $137 | — | $137 | 0.07% |
| ROSALYNE BRISSON3 | 7001 142ND AVE LOT 199 LARGO, FL 33771 | AFLAC | $124 | — | $124 | 0.06% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $123 | — | $123 | 0.06% |
| VICTORRIO PAUL ZANIOL INC3 | 7511 BURLINGTON AVE N ST PETERSBURG, FL 33710 | AFLAC | $121 | — | $121 | 0.06% |
| REBECCA WILLMORE3 | 17449 QUEENSLAND STREET LAND O LAKES, FL 34638 | AFLAC | $120 | — | $120 | 0.06% |
| JENNIFER B MOREHEAD3 | 13412 WHITBY RD HUDSON, FL 34667 | AFLAC | $113 | — | $113 | 0.06% |
| WILLIAM WHITE3 | 1635 SPINNING WHEEL DR LUTZ, FL 33559 | AFLAC | $101 | $10 | $111 | 0.05% |
| MATTHEW SMITH3 Filed as: MATTHEW GABRIEL WALSH | 6047 WESLEY BROOK DR WESLEY CHAPEL, FL 33545 | AFLAC | $111 | — | $111 | 0.05% |
| MITCHELL KOGGE3 | 11007 SUMMER DR TAMPA, FL 33624 | AFLAC | $77 | $24 | $101 | 0.05% |
| JULIE C TRULUCK INC3 | 8721 CYPRESS RESERVE CIR ORLANDO, FL 32836 | AFLAC | $99 | — | $99 | 0.05% |
| MICHELE K WILLEY3 | 122 E MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $71 | $17 | $88 | 0.04% |
| JULIE KEENE3 | 6409 VARN RD PLANT CITY, FL 33565 | AFLAC | $79 | — | $79 | 0.04% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $79 | — | $79 | 0.04% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $79 | — | $79 | 0.04% |
| ROBERT WAYNE NELSON III3 | 6803 MOORING WAY TAMPA, FL 33615 | AFLAC | $76 | — | $76 | 0.04% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $75 | — | $75 | 0.04% |
| SETH VAN STEENBERGEN3 Filed as: SETH A VAN STEENBERGEN | 16208 MARSHFIELD DR TAMPA, FL 33624 | AFLAC | $69 | — | $69 | 0.03% |
| FRANCIS V CRUZ3 | 150 MAPLE DR WEXFORD, PA 15090 | AFLAC | $63 | — | $63 | 0.03% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $62 | — | $62 | 0.03% |
| AIMEE BRANDON3 Filed as: AIMEE ZWEIL BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $50 | $10 | $60 | 0.03% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $56 | — | $56 | 0.03% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTED LN ODESSA, FL 33556 | AFLAC | $55 | — | $55 | 0.03% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $52 | — | $52 | 0.03% |
| SANDRA L SIMMONS3 | 10363 QUALITY DR APT 108 SPRING HILL, FL 34609 | AFLAC | $50 | — | $50 | 0.02% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $46 | — | $46 | 0.02% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $45 | — | $45 | 0.02% |
| WILLIAM S SCOTT JR3 | PO BOX 886 HAVANA, FL 32333 | AFLAC | $45 | — | $45 | 0.02% |
| JASON TERRY3 | 19337 PADDOCK VIEW DR TAMPA, FL 33647 | AFLAC | $42 | — | $42 | 0.02% |
| JL & ASSOCIATES INC3 | 134W SOUTH COUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $40 | — | $40 | 0.02% |
| MARIANNE F BOOTH3 | PO BOX 359 TRILBY, FL 33593 | AFLAC | $38 | — | $38 | 0.02% |
| JAY KAMINSKY3 | 6840 12TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $30 | — | $30 | 0.01% |
| KELLEY A GULLION3 | 13718 COOPER RD SPRING HILL, FL 34609 | AFLAC | $30 | — | $30 | 0.01% |
| THOMAS A HOUSE3 | 1114 LATTIMORE DR CLERMONT, FL 34711 | AFLAC | $27 | — | $27 | 0.01% |
| GREG L BENJAMIN3 | 3118 GULF TO BAY BLVD STE 100 CLEARWATER, FL 33759 | AFLAC | $24 | — | $24 | 0.01% |
| MARGARET E CLARDY3 | P O BOX 7208 WINTER HAVEN, FL 33883 | AFLAC | $24 | — | $24 | 0.01% |
| GL BENJAMIN INC3 | 5837 RAVENSWOOD DR SARASOTA, FL 34243 | AFLAC | $17 | — | $17 | 0.01% |
| DEREK DEVANE3 Filed as: DEREK DEWAYNE DEVANE | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $16 | — | $16 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $14 | — | $14 | 0.01% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $14 | — | $14 | 0.01% |
| JERRY ALFORD3 | 40374 SW FOREST RD 181 BRISTOL, FL 32321 | AFLAC | $14 | — | $14 | 0.01% |
| JUSTIN RYAN3 Filed as: JUSTIN SCOTT RYAN | 1076 E BRANDON BLVD STE 112 BRANDON, FL 33511 | AFLAC | $14 | — | $14 | 0.01% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $13 | — | $13 | 0.01% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $12 | — | $12 | 0.01% |
| STEPHEN M MCMANUS3 | 6132 LEELAND ST S ST PETERSBURG, FL 33715 | AFLAC | $11 | — | $11 | 0.01% |
| MATTHEW HAND3 Filed as: MATTHEW R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | AFLAC | $10 | — | $10 | 0.00% |
| E J DIAZ INC3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $10 | — | $10 | 0.00% |
| KATHLEEN E DIAZ3 | 10113 BELGRAVE ROAD TAMPA, FL 33626 | AFLAC | $10 | — | $10 | 0.00% |
| SEAN E MORRES3 | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $10 | — | $10 | 0.00% |
| MARYURY YULAIMIS BERRONES3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $9 | — | $9 | 0.00% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $9 | — | $9 | 0.00% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $9 | — | $9 | 0.00% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $9 | — | $9 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $7 | — | $7 | 0.00% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 33256 | 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 | $7 | — | $7 | 0.00% |
| CORRINE A DUROURE3 | 557 BOCA CIEGA POINT BLVD N ST PETERSBURG, FL 33708 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $5 | — | $5 | 0.00% |
| JERRY R MAUREY3 | 34401 SMART DR ZEPHYRHILLS, FL 33541 | AFLAC | $4 | — | $4 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS | 11032 58TH STREET CIR E PARRISH, FL 34219 | AFLAC | $3 | — | $3 | 0.00% |
| MARYURY YULAIMIS BERRONES3 | 233 E CENTER AVE SEBRING, FL 33870 | AFLAC | $3 | — | $3 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| JAVIER ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW HAND3 Filed as: MATTHEW T HAND | 8508 PARROTS LANDING DR TAMPA, FL 33647 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL C HARRIS3 | 4110 WILLOW CREEK DR GIBSONIA, PA 15044 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | WESTPORT INSURANCE | $3K | — | $3K | 5.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE | $3K | — | $3K | 5.00% |
| 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 | $465K |
| CHERRY BEKAERT LLP EIN 56-0574444 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $3K |
| APPRIZE TECHNOLOGY SOLUTIONS EIN 20-5087486 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $1K |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 256 | $205K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 596 | $431K |
| Short-term disability | AFLAC | 256 | $205K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 596 | $431K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE | 457 | $540K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 596 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.