| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, IINC | 2211 LEE ROAD STE 100 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 4.92% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | 2211 LEE RD STE 100 WINTER PARK, FL 32789 | TRULI-HMO | $8K | — | $8K | 6.00% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD STE 100 WINTER PARK, FL 32789 | HEALTH OPTIONS | $5K | — | $5K | 4.40% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.04% |
| NICHOLAS BOUZIOS3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $10K | — | $10K | 16.41% |
| CLINT MCLAIN3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $7K | — | $7K | 11.54% |
| ALEX PINNEY3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $3K | — | $3K | 4.51% |
| SHERRIE YOUNG3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $2K | — | $2K | 2.62% |
| JASON CHRISTOPHER DARWIN3 Filed as: JASON KYLE PERRY | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $557 | — | $557 | 0.90% |
| STEPHANIE CREWS3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $440 | — | $440 | 0.71% |
| DAVID MILLER3 Filed as: DAVID BROOKS | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $383 | — | $383 | 0.62% |
| WAYNE FISHER, JR3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $356 | — | $356 | 0.58% |
| JOSEPH CAMPUS IV3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $296 | — | $296 | 0.48% |
| NIKKI CALTON3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $88 | — | $88 | 0.14% |
| TIFFANY BARBER3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $2 | — | $2 | 0.00% |
| PHILIP NICHOLS3 Filed as: PHILIP NICOLS | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HANNAH BROWN | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $1 | — | $1 | 0.00% |
| ELENA CORDOBA3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | -$1 | — | -$1 | -0.00% |
| MARY E HILL3 | 2721 SEA LARK LANE MILTON, FL 32583 | AFLAC | $748 | — | $748 | 1.40% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE PACE, FL 32571 | AFLAC | $723 | — | $723 | 1.36% |
| BRIAN ANDREWS3 | 6728 TAMARACK DR PACE, FL 32571 | AFLAC | $546 | $44 | $590 | 1.11% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LANE PENSACOLA, FL 32514 | AFLAC | $466 | $103 | $569 | 1.07% |
| VICKI D WHITE3 | 3320 TIMBERLANE DRIVE PENSACOLA, FL 32503 | AFLAC | $541 | — | $541 | 1.01% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $416 | $44 | $460 | 0.86% |
| KEVIN ONEAL BENJAMIN3 | P O BOX 889 CANTONMENT, FL 32533 | AFLAC | $380 | — | $380 | 0.71% |
| REUBEN BYRD3 | 6860 BOOKER STREET MILTON, FL 32570 | AFLAC | $353 | — | $353 | 0.66% |
| SAIC INC3 | 4246 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $244 | — | $244 | 0.46% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $241 | — | $241 | 0.45% |
| JEREMIAH JOSEPH AVERY3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $117 | $17 | $134 | 0.25% |
| DARRELL V BLANCHARD3 | 1766 E NINE MILE RD STE 1 #255 PENSACOLA, FL 32514 | AFLAC | $68 | — | $68 | 0.13% |
| JOSHUA MICHAEL POLLOCK3 | 1149 CREIGHTON RD STE 1 PENSACOLA, FL 32504 | AFLAC | $26 | $36 | $62 | 0.12% |
| ALICE E NOBLE3 Filed as: ALICE NOBLE | 201 BROWN RD PENSACOLA, FL 32507 | AFLAC | $49 | — | $49 | 0.09% |
| ALICE E NOBLE3 | 201 BROWN RD PENSACOLA, FL 32507 | AFLAC | $42 | — | $42 | 0.08% |
| JOHN TODD LEE3 | 222 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $22 | — | $22 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $19 | — | $19 | 0.04% |
| STEPHEN J YOUNG3 | 490 NW WOODLANDS TER LAKE CITY, FL 32056 | AFLAC | $17 | — | $17 | 0.03% |
| KATHY L GOODWIN3 | 4207 SUNCREST LN MOLINO, FL 32577 | AFLAC | $17 | — | $17 | 0.03% |
| SHARON S NEWELL3 | 18 RIVER RIDGE RD LITTLE ROCK, AR 72227 | AFLAC | $17 | — | $17 | 0.03% |
| DANNY LOPER3 | P O BOX 1378 LIVE OAK, FL 32064 | AFLAC | $15 | — | $15 | 0.03% |
| HENRY JACKSON STEWART3 | 986 SE APACHE AVE LEE, FL 32059 | AFLAC | $15 | — | $15 | 0.03% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $10 | — | $10 | 0.02% |
| JAMES W CARNELEY SR3 | P O BOX 783 CANTONMENT, FL 32533 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $5 | — | $5 | 0.01% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8805 SW 9TH STREET RD OCALA, FL 34481 | AFLAC | $4 | — | $4 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN W AMOS3 | 10061 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $3 | — | $3 | 0.01% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2166 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| BILLY RAY BRADLEY3 | 201 MITCHELL CEMETERY RD GREENSBURG, KY 42743 | AFLAC | $1 | — | $1 | 0.00% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 31 | $731K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $99K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $152K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $152K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $99K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.