| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LRA3 Filed as: LRA INSURANCE/FRINGE BENEFIT PLANS | 498 S.LAKE DESTINY DRIVE SUITE 200 ORLANDO, FL 32810 | BIND BENEFITS, INC DBA SUREST | $0 | $35K | $35K | 5.26% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD STE 100 WINTER PARK, FL 327891849 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $11 | $9K | 10.75% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.79% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LANE PENSACOLA, FL 32514 | AFLAC | $1K | $0 | $1K | 2.23% |
| LEIGH ANNE WHITE3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $1K | $25 | $1K | 1.78% |
| JEREMIAH JOSEPH AVERY3 | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $997 | — | $997 | 1.64% |
| MARY E HILL3 | 2721 SEA LARK LANE MILTON, FL 32583 | AFLAC | $909 | $11 | $920 | 1.51% |
| BRIAN ANDREWS3 | 6728 TAMARACK DR PACE, FL 32571 | AFLAC | $849 | $25 | $874 | 1.43% |
| LARRY BURKHALTER3 | 5316 SUSSEX LANE PACE, FL 32571 | AFLAC | $834 | — | $834 | 1.37% |
| VICKI D WHITE3 | 3320 TIMBERLANE DRIVE PENSACOLA, FL 32503 | AFLAC | $655 | — | $655 | 1.08% |
| REUBEN BYRD3 | 6860 BOOKER STREET MILTON, FL 32570 | AFLAC | $481 | $98 | $579 | 0.95% |
| KEVIN ONEAL BENJAMIN3 | P O BOX 889 CANTONMENT, FL 32533 | AFLAC | $461 | — | $461 | 0.76% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $305 | — | $305 | 0.50% |
| SAIC INC3 | 4246 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $296 | — | $296 | 0.49% |
| JOSHUA MICHAEL POLLOCK3 | 1149 CREIGHTON RD STE 1 PENSACOLA, FL 32504 | AFLAC | $139 | — | $139 | 0.23% |
| ALICE E NOBLE3 | 201 BROWN RD PENSACOLA, FL 32507 | AFLAC | $106 | — | $106 | 0.17% |
| DARRELL V BLANCHARD3 | 1766 E NINE MILE RD STE 1 #255 PENSACOLA, FL 32514 | AFLAC | $70 | — | $70 | 0.11% |
| JOHN TODD LEE3 | 222 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $30 | — | $30 | 0.05% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $25 | — | $25 | 0.04% |
| STEPHEN J YOUNG3 | 490 NW WOODLANDS TER LAKE CITY, FL 32056 | AFLAC | $16 | — | $16 | 0.03% |
| KATHY L GOODWIN3 | 4207 SUNCREST LN MOLINO, FL 32577 | AFLAC | $16 | — | $16 | 0.03% |
| SHARON S NEWELL3 | 18 RIVER RIDGE RD LITTLE ROCK, AR 72227 | AFLAC | $16 | — | $16 | 0.03% |
| DANNY LOPER3 | P O BOX 1378 LIVE OAK, FL 32064 | AFLAC | $14 | — | $14 | 0.02% |
| HENRY JACKSON STEWART3 | 986 SE APACHE AVE LEE, FL 32059 | AFLAC | $14 | — | $14 | 0.02% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $8 | — | $8 | 0.01% |
| 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% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 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% |
| 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% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS BOUZIOS3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $6K | — | $6K | 9.98% |
| CLINT MCLAIN3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $3K | — | $3K | 5.41% |
| SHERRIE YOUNG3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $1K | — | $1K | 1.71% |
| ALEX PINNEY3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $415 | — | $415 | 0.70% |
| JASON CHRISTOPHER DARWIN3 Filed as: JASON KYLE PERRY | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $358 | — | $358 | 0.61% |
| STEPHANIE CREWS3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $277 | — | $277 | 0.47% |
| DAVID MILLER3 Filed as: DAVID BROOKS | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $247 | — | $247 | 0.42% |
| JOSEPH CAMPUS IV3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $212 | — | $212 | 0.36% |
| WAYNE FISHER, JR3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $209 | — | $209 | 0.35% |
| NIKKI CALTON3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $52 | — | $52 | 0.09% |
| PHILIP NICHOLS3 | 3700 S STONEBRIDGE DR MCKINNEY, TX 75070 | GLOBE LIFE LIBERTY NATIONAL DIVISION | $46 | — | $46 | 0.08% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BIND BENEFITS, INC DBA SUREST | 106 | $670K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $86K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $86K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $147K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $147K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $86K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.