| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFITS | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $26K | $0 | $26K | 4.81% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 0.99% |
| MARY E HILL3 | 2721 SEA LARK LANE MILTON, FL 32583 | AFLAC | $2K | $60 | $2K | 2.95% |
| VICKI D WHITE3 | 3320 TIMBERLANE DRIVE PENSACOLA, FL 32503 | AFLAC | $2K | $273 | $2K | 2.48% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE PACE, FL 32571 | AFLAC | $2K | $87 | $2K | 2.45% |
| BRIAN ANDREWS3 | 6728 TAMARACK DR PACE, FL 32571 | AFLAC | $1K | $87 | $1K | 1.84% |
| REUBEN BYRD3 | 6860 BOOKER STREET MILTON, FL 32570 | AFLAC | $972 | $0 | $972 | 1.36% |
| KEVIN ONEAL BENJAMIN3 | P O BOX 889 CANTONMENT, FL 32533 | AFLAC | $707 | $0 | $707 | 0.99% |
| SAIC INC3 | 4246 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $305 | $0 | $305 | 0.43% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $145 | $0 | $145 | 0.20% |
| AUSTIN WHITE3 | 3320 TIMBELANE DR PENSACOLA, FL 32503 | AFLAC | $109 | $0 | $109 | 0.15% |
| DARRK ENTERPRISES LLC3 | 1765 E NINE MILE RD STE # 255 PENSACOLA, FL 32514 | AFLAC | $93 | $0 | $93 | 0.13% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $45 | $0 | $45 | 0.06% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AA 36117 | AFLAC | $37 | $0 | $37 | 0.05% |
| LYNNE HUDGINS MOORE3 | 6850 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $9 | $0 | $9 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $7 | $0 | $7 | 0.01% |
| BILLY RAY BRADLEY3 | 201 MITCHELL CEMETARY RD GREENSBURG, KY 42743 | AFLAC | $3 | $0 | $3 | 0.00% |
| MATTHEW SMITH3 | 8452 FREDERICKSBURG RD SAN ANTONIO, TX 78229 | AFLAC | $3 | $0 | $3 | 0.00% |
| STEPHEN J YOUNG3 | 490 NW WOODLANDS TER LAKE CITY, FL 32065 | AFLAC | $1 | $0 | $1 | 0.00% |
| DANNY L LOPER3 | P O BOX 1378 LIVE OAK, FL 32064 | AFLAC | $1 | $0 | $1 | 0.00% |
| HENRY JACKSON STEWART3 | 966 SE APACHE AVENUE LEE, FL 32069 | AFLAC | $1 | $0 | $1 | 0.00% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON & ASSOCIATES, INC. | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PLACE TAMPA, FL 33617 | AFLAC | $0 | $0 | $0 | 0.00% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.63% |
| FRINGE BENEFIT PLANS INC3 | — | BLUE CROSS BLUE SHIELD OF FLORIDA | — | — | $0 | — |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | — | $0 | — |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 112 | $547K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $62K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 279 | $134K |
| Short-term disability | AFLAC | 71 | $72K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 0 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 279 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.