| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ADAMS3 Filed as: DAVID BLAIR ADAMS | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $69K | $69K | 6.38% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | GUARDIAN | $14K | $3K | $17K | 15.64% |
| LAURA ALGREN3 | 17960 GULF BLVD REDINGTON SHORES, FL 33708 | AFLAC | $3K | $0 | $3K | 8.74% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $235 | $0 | $235 | 0.79% |
| SCOTT L EELLS3 | 13313 N OREGON AVE TAMPA, FL 33612 | AFLAC | $156 | $0 | $156 | 0.52% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $144 | $0 | $144 | 0.48% |
| CORINNE A DUROURE3 | 557 BOCA CIEGA POINT BLVD N ST PETERSBURGFL, FL 33708 | AFLAC | $139 | $0 | $139 | 0.46% |
| REBECCA WILLMORE3 | 17449 QUEENSLAND ST LAND O LAKES, FL 34638 | AFLAC | $137 | $0 | $137 | 0.46% |
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $134 | $0 | $134 | 0.45% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $130 | $0 | $130 | 0.43% |
| VICTORIA BELLAVIA3 | 2427 BENTLEY DR PALM HARBOR, FL 34684 | AFLAC | $76 | $0 | $76 | 0.25% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 715 N KENTUCKY ST MEXICO, MO 65265 | AFLAC | $53 | $0 | $53 | 0.18% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $47 | $0 | $47 | 0.16% |
| JOHN MICHAEL GRUBBS3 | 34931 US HWY 19N PALM HARBOUR, FL 34684 | AFLAC | $43 | $0 | $43 | 0.14% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $43 | $0 | $43 | 0.14% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $39 | $0 | $39 | 0.13% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA ST HONOLULU, HI 96813 | AFLAC | $38 | $0 | $38 | 0.13% |
| JMG BUSINESS PARTNERS LLC3 | 1076 E BRANDON BLVD BRANDON, FL 33511 | AFLAC | $28 | $0 | $28 | 0.09% |
| PLUS BENEFITS UNLIMITED, INC.3 Filed as: PLUS BENEFITS UNLIMITED | 3680 COQUINAKEY DR SE ST PETERSBURG, FL 33705 | AFLAC | $15 | $0 | $15 | 0.05% |
| BARTLEIN AND ASSOC INC3 Filed as: BARTLEIN AND ASSOCI INC | 22465 PANTHER LOOP BRANDENTON, FL 34202 | AFLAC | $14 | $0 | $14 | 0.05% |
| GRAVES INC3 | 5336 CAPTAINS CT NEW PROT RICHEY, FL 34652 | AFLAC | $9 | $0 | $9 | 0.03% |
| SUSAN BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $5 | $0 | $5 | 0.02% |
| DAVID HOLLOWELL3 | 2100 5TH AVE N SAINT PETERSBURG, FL 33713 | AFLAC | $4 | $0 | $4 | 0.01% |
| JEFF YARISH3 Filed as: JEFF GLENN YARISH | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $3 | $0 | $3 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $3 | $0 | $3 | 0.01% |
| FRABCIS CRUZ3 | 19115 LINVINGSTON AVE LUTZ, FL 33559 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $2 | $0 | $2 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER | 2512 GARDEN ST MERAUX, LA 70075 | AFLAC | $2 | $0 | $2 | 0.01% |
| ELLEN D JAMES3 | 5110 TAR STREAM WAY BRANDON, FL 33511 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.00% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKET | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $1 | $0 | $1 | 0.00% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $1 | $0 | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER S BASS | 565 W GATEWAT CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | $0 | $1 | 0.00% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | EYE MED | $531 | $0 | $531 | 7.67% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $1.1M |
| Dental | GUARDIAN | 101 | $110K |
| Vision | EYE MED | 108 | $7K |
| Life insurance | GUARDIAN | 101 | $110K |
| Short-term disability | GUARDIAN | 101 | $110K |
| Long-term disability | GUARDIAN | 101 | $110K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 101 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.