| 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 | $35K | — | $35K | 5.27% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $602 | — | $602 | 0.09% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $672 | $2K | 2.23% |
| REUBEN BYRD3 | 6860 BOOKER STREET MILTON, FL 32570 | AFLAC | $4K | $116 | $4K | 5.88% |
| MARY E HILL3 | 2721 SEA LARK LANE MILTON, FL 32583 | AFLAC | $1K | $15 | $1K | 2.03% |
| BRIAN ANDREWS3 | 6728 TAMARACK DR PACE, FL 32571 | AFLAC | $925 | $28 | $953 | 1.51% |
| VICKI D WHITE3 | 3320 TIMBERLANE DRIVE PENSACOLA, FL 32503 | AFLAC | $707 | — | $707 | 1.12% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE PACE, FL 32571 | AFLAC | $686 | — | $686 | 1.09% |
| KEVIN ONEAL BENJAMIN3 | P O BOX 889 CANTONMENT, FL 32533 | AFLAC | $528 | — | $528 | 0.84% |
| ALICE E NOBLE3 | 5812 DANDELION LN PENSACOLA, FL 32526 | AFLAC | $519 | — | $519 | 0.82% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $329 | — | $329 | 0.52% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $287 | $28 | $315 | 0.50% |
| SAIC INC3 | 4246 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $305 | — | $305 | 0.48% |
| LARRY BURKHALTER3 | 6123 DOLLARWEED DR MILTON, FL 32571 | AFLAC | $250 | — | $250 | 0.40% |
| DARRELL V BLANCHARD3 | 1766 E NINE MILE RD STE 1 #255 PENSACOLA, FL 32514 | AFLAC | $73 | — | $73 | 0.12% |
| JOHN TODD LEE3 | 222 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $31 | — | $31 | 0.05% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $26 | — | $26 | 0.04% |
| STEPHEN J YOUNG3 | 490 NW WOODLANDS TER LAKE CITY, FL 32056 | AFLAC | $15 | — | $15 | 0.02% |
| DANNY LOPER3 | P O BOX 1378 LIVE OAK, FL 32064 | AFLAC | $12 | — | $12 | 0.02% |
| HENRY JACKSON STEWART3 | 986 SE APACHE AVE LEE, FL 32059 | AFLAC | $12 | — | $12 | 0.02% |
| KATHY L GOODWIN3 | 4207 SUNCREST LN MOLINO, FL 32577 | AFLAC | $11 | — | $11 | 0.02% |
| SHARON S NEWELL3 | 18 RIVER RIDGE RD LITTLE ROCK, AR 72227 | AFLAC | $11 | — | $11 | 0.02% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $8 | — | $8 | 0.01% |
| BRIAN E HICKS3 | 1327 JEWELL AVENUE FRANKLIN, TN 37064 | AFLAC | $6 | — | $6 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN W AMOS3 | 10061 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $4 | — | $4 | 0.01% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2166 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES W CARNELEY SR3 | P O BOX 783 CANTONMENT, FL 32533 | AFLAC | $4 | — | $4 | 0.01% |
| BILLY RAY BRADLEY3 | 201 MITCHELL CEMETERY RD GREENSBURG, KY 42743 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8805 SW 9TH STREET RD OCALA, FL 34481 | AFLAC | $3 | — | $3 | 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) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $672K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $106K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $106K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $168K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $168K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $106K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.