| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 336092593 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $93K | $101K | 6.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | $453 | — | $453 | 0.03% |
| DREW E SAMELSON3 | 346 TRISMEN TERRACE WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 11.99% |
| SHAE REILLY3 | 322 WILLOWBAY RIDGE ST SANFORD, FL 32771 | AFLAC | $2K | $101 | $2K | 8.75% |
| ANDREW CONNORS3 Filed as: ANDREW D CONNORS | 2251 ALEXANDER DR TITUSVILLE, FL 32796 | AFLAC | $380 | $24 | $404 | 1.58% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $274 | $24 | $298 | 1.17% |
| JEANNE L COKER3 | 734 CHEROKEE RD LAGRANGE, GA 30240 | AFLAC | $180 | — | $180 | 0.71% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $133 | — | $133 | 0.52% |
| TANYA L WINCHESTER3 | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $78 | — | $78 | 0.31% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $53 | — | $53 | 0.21% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP | PO BOX 532017 ORLANDO, FL 32853 | AFLAC | $52 | — | $52 | 0.20% |
| SHARON LYNN SMITH3 | 3139 CONRAD CT KISSIMMEE, FL 34744 | AFLAC | $42 | — | $42 | 0.16% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $36 | — | $36 | 0.14% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $32 | — | $32 | 0.13% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $29 | — | $29 | 0.11% |
| THE BINNACLE GROUP INC.3 Filed as: THE BINNACLE GROUP INC | 1339 ORCHID AVE WINTER PARK, FL 32789 | AFLAC | $23 | — | $23 | 0.09% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $17 | — | $17 | 0.07% |
| ROBERT L TRAPNELL JR3 | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $15 | — | $15 | 0.06% |
| D J FISHER & ASSOC INC3 | 4117 FAIRVIEW VISTA PT APT 202 ORLANDO, FL 32804 | AFLAC | $13 | — | $13 | 0.05% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT 208 CHARLOTTE, NC 28269 | AFLAC | $11 | — | $11 | 0.04% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $11 | — | $11 | 0.04% |
| SUSAN R MAYER3 | 644 LONGMEADOW CIR LONGWOOD, FL 32779 | AFLAC | $9 | — | $9 | 0.04% |
| DIANE H KAYLOR3 | 16135 SW QUEEN VICTORIA PL KING CITY, OR 97224 | AFLAC | $9 | — | $9 | 0.04% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $6 | — | $6 | 0.02% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $6 | — | $6 | 0.02% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $5 | — | $5 | 0.02% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $4 | — | $4 | 0.02% |
| SHANNON SPRADLING3 | 7625 AGAWAM RD SEBASTIAN, FL 32976 | AFLAC | $4 | — | $4 | 0.02% |
| NEENA W BEVERLY3 Filed as: NEENA WITT BEVERLY | 199 E 1980 N HEBER CITY, UT 84032 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN HANLEY3 | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE | 4898 GA HIGHWAY 315 APT 1618 FORTSON, GA 31808 | AFLAC | $1 | — | $1 | 0.00% |
| DREW E SAMELSON3 | 346 TRISMEN TERRACE WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $247K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $227K |
| Other | AFLAC | 24 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.