| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | GUARDIAN | $15K | $5K | $19K | 16.44% |
| LAURA ALGREN3 | 17960 GULF BLVD REDINGTON SHORES, FL 33708 | AFLAC | $3K | $0 | $3K | 8.39% |
| CORINNE A DUROURE3 | 557 BOCA CIEGA POINT BLVD N ST PETERSBURGFL, FL 33708 | AFLAC | $265 | $0 | $265 | 0.87% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $163 | $0 | $163 | 0.54% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $135 | $0 | $135 | 0.44% |
| REBECCA WILLMORE3 | 17449 QUEENSLAND ST LAND O LAKES, FL 34638 | AFLAC | $132 | $0 | $132 | 0.43% |
| SCOTT L EELLS3 | 13313 N OREGON AVE TAMPA, FL 33612 | AFLAC | $126 | $0 | $126 | 0.41% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $118 | $0 | $118 | 0.39% |
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $115 | $0 | $115 | 0.38% |
| VICTORIA BELLAVIA3 | 2427 BENTLEY DR PALM HARBOR, FL 34684 | AFLAC | $74 | $0 | $74 | 0.24% |
| JAY KAMINSKY3 | 6840 12TH AVE N ST PETERSBURG, FL 33710 | AFLAC | $74 | $0 | $74 | 0.24% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 715 N KENTUCKY ST MEXICO, MO 65265 | AFLAC | $53 | $0 | $53 | 0.17% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $52 | $0 | $52 | 0.17% |
| SUSAN BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $52 | $0 | $52 | 0.17% |
| JMG BUSINESS PARTNERS LLC3 | 1076 E BRANDON BLVD BRANDON, FL 33511 | AFLAC | $49 | $0 | $49 | 0.16% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $40 | $0 | $40 | 0.13% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $38 | $0 | $38 | 0.13% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA ST HONOLULU, HI 96813 | AFLAC | $36 | $0 | $36 | 0.12% |
| PLUS BENEFITS UNLIMITED, INC.3 Filed as: PLUS BENEFITS UNLIMITED | 3680 COQUINAKEY DR SE ST PETERSBURG, FL 33705 | AFLAC | $11 | $0 | $11 | 0.04% |
| BARTLEIN AND ASSOC INC3 Filed as: BARTLEIN AND ASSOCI INC | 22465 PANTHER LOOP BRANDENTON, FL 34202 | AFLAC | $11 | $0 | $11 | 0.04% |
| GRAVES INC3 | 5336 CAPTAINS CT NEW PROT RICHEY, FL 34652 | AFLAC | $8 | $0 | $8 | 0.03% |
| JEFF YARISH3 Filed as: JEFF GLENN YARISH | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $7 | $0 | $7 | 0.02% |
| JAN HAMBY ALDAMUY3 | 2031 MONTEGO CT OLDSMAR, FL 34677 | AFLAC | $7 | $0 | $7 | 0.02% |
| JOSEPH DUCKETT3 | 1000 PARKWOOD CIR ATLANTA, GA 30339 | AFLAC | $6 | $0 | $6 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $5 | $0 | $5 | 0.02% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | 19115 LINVINGSTON AVE LUTZ, FL 33559 | AFLAC | $5 | $0 | $5 | 0.02% |
| GLORIA BUSSEY3 | 78232 PRIVATE ROAD 2921 BRECKENRIDGE, TX 76424 | AFLAC | $4 | $0 | $4 | 0.01% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $3 | $0 | $3 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER | 2512 GARDEN ST MERAUX, LA 70075 | AFLAC | $3 | $0 | $3 | 0.01% |
| ELLEN D JAMES3 | 5110 TAR STREAM WAY BRANDON, FL 33511 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $3 | $0 | $3 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $3 | $0 | $3 | 0.01% |
| DAVID HOLLOWELL3 | 2100 5TH AVE N SAINT PETERSBURG, FL 33713 | AFLAC | $2 | $0 | $2 | 0.01% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKET | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $2 | $0 | $2 | 0.01% |
| OMER S BASS IV3 Filed as: OMER S BASS | 565 W GATEWAT CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | $0 | $2 | 0.01% |
| DAVID HOLLOWELL3 | 2100 5TH AVE N SAINT PETERSBURG, FL 33713 | AFLAC | $2 | $0 | $2 | 0.01% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | EYE MED | $1K | $0 | $1K | 13.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADAMS BENEFIT COPR N/A | Insurance brokerage commissions and fees Service code 53 | 600 CORPORATE DR FORT LAUDERDALE, FL 33334 | $21K |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 114 | $118K |
| Vision | EYE MED | 120 | $8K |
| Life insurance | GUARDIAN | 114 | $118K |
| Short-term disability | GUARDIAN | 114 | $118K |
| Long-term disability | GUARDIAN | 114 | $118K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 114 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.