| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | 2211 LEE RD. STE 100 WINTER PARK, FL 327891849 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 4.00% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD. STE 100 WINTER PARK, FL 327891849 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 4.00% |
| ANITA BENJAMIN3 | 5 COWETA RD CANTONMENT, FL 32533 | AFLAC | $5K | $74 | $5K | 6.71% |
| MARY E HILL3 Filed as: MARY HILL | 2721 SEA LARK LN MILTON, FL 32583 | AFLAC | $2K | $3 | $2K | 3.17% |
| VICKI D WHITE3 Filed as: VICKI WHITE | 3320 TIMBERLANE DR PENSACOLA, FL 32503 | AFLAC | $2K | $140 | $2K | 3.16% |
| LARRY BURKHALTER3 | 5316 SUSSEX LN PACE, FL 32571 | AFLAC | $2K | $43 | $2K | 2.95% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $2K | $43 | $2K | 2.36% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $563 | — | $563 | 0.79% |
| DARRK ENTERPRISES LLC3 | 9542 YARROW CIR STE 1 PENSACOLA, FL 32514 | AFLAC | $93 | — | $93 | 0.13% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $56 | — | $56 | 0.08% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $44 | — | $44 | 0.06% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN ROAD STE 150 MONTGOMERY, AL 36117 | AFLAC | $12 | — | $12 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $11 | — | $11 | 0.02% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $10 | — | $10 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $8 | — | $8 | 0.01% |
| BILLY RAY BRADLEY3 Filed as: BILLY BRADLEY | 201 MITCHELL CEMETARY RD GREENSBURG, KY 42743 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $3 | — | $3 | 0.00% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $300 | $5K | 7.21% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 62 | $618K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $65K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 253 | $136K |
| Short-term disability | AFLAC | 79 | $71K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 62 | $618K |
| Other(2 contracts, 2 carriers) | AFLAC | 253 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.