| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS INC | DBA THE ELAN GROUP 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1.0M | — | $1.0M | 23.83% |
| FRANK P DOHERTY3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69K | — | $69K | 1.63% |
| BRIAN EDWARD JUND3 | 34 FALKNER DRIVE LADERA RANCH, CA 92694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $468 | — | $468 | 0.01% |
| CRAIG T WICKE, JR3 | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 0.01% |
| AP BENEFIT ADVISIORS LLC3 | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | COMBINED INSURANCE COMPANY | $284K | — | $284K | 12.46% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | DBA THE ELAN GROUP 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123K | — | $123K | 16.63% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAM | DBA UNIVERS WORKPLACE PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | — | $36K | 4.93% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INSURANCE | SOLUTIONS LLC 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $30 | $5K | 2.96% |
| 4 D. INC3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $36 | $72 | 0.04% |
| ROBERT ANDREW THAXTON3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INSURANCE | SOLUTIONS LLC 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.29% |
| THE ELAN GROUP3 Filed as: THE ELAN GROUP INC | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $424 | — | $424 | 0.32% |
| CLAUDE D THAXTON3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $193 | — | $193 | 0.15% |
| JOHN CLAYTON PITTS3 Filed as: JOHN S BACHMAN | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $164 | — | $164 | 0.12% |
| JOSEPH D THAXTON3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $164 | — | $164 | 0.12% |
| RYAN E LEE3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $92 | — | $92 | 0.07% |
| ROGER E WINN3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $91 | — | $91 | 0.07% |
| CATHERINE HOVIS3 | 10171 MIZNER LANE RALEIGH, NC 27617 | TRANSAMERICA LIFE INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| TIMOTHY L BOOZER3 | THE ELAN GROUP 4056 NEWBERRY ROAD GAINSVILLE, FL 32607 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| FAYE INFINGER3 Filed as: FAYE E INFINGER | 3720 RABBIT RUN COURT PACE, FL 32571 | TRANSAMERICA LIFE INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| RICHARD LEWIS SOLLNER3 Filed as: RICHARD L SOLLNER | 2910 BAY TO BAY TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| GORDON L FINCH3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| CORPORATE MEDICAL BENEFITS3 | 24349 SUMMER WIND COURT LUTZ, FL 335597929 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| SCU HOUSE ACCT3 | 1400 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | LIFESECURE INSURANCE COMPANY | $378 | — | $378 | 8.51% |
| HEALTH CARE SERVICES NETWORK3 | 6031 AUDUBON MANOR BOULEVARD LITHIA, FL 33547 | LIFESECURE INSURANCE COMPANY | $76 | — | $76 | 1.71% |
| ROBERT NARDONE3 | 2655 LAKE ROAD ONTARIO, NY 14519 | LIFESECURE INSURANCE COMPANY | $38 | — | $38 | 0.86% |
| BROADTOWER INSURANCE SOLUTIONS3 | 2860 MICHELLE DRIVE IRVINE, CA 92606 | LIFESECURE INSURANCE COMPANY | $38 | — | $38 | 0.86% |
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 | 11,438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,950 | $6.8M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,049 | $4.3M |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11,438 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,438 | — |
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.