| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $0 | $71K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 2.79% |
| AON CONSULTING INC3 | C/O JP MORGAN CHASE P.O. BOX 905494 CHARLOTTE, NC 28290 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $530 | $18K | 12.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $500 | $56 | $556 | 3.91% |
| JOAN A FARNHAM3 | 5138 39TH STREET W BRADENTON, FL 34210 | AFLAC | $481 | $75 | $556 | 3.91% |
| URSULA HUNT3 | 5707 45TH SUITE LOT 208 BRADENTON, FL 34203 | AFLAC | $208 | $0 | $208 | 1.46% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT. ELLENTON, FL 34222 | AFLAC | $166 | $20 | $186 | 1.31% |
| BRIAN FRAMBES3 | 13112 PEREGRIN CIRCLE BRADENTON, FL 34212 | AFLAC | $183 | $0 | $183 | 1.29% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $135 | $20 | $155 | 1.09% |
| JOEL M LUSTGARTEN3 | 1695 STARLING DR. SARASOTA, FL 34231 | AFLAC | $125 | $0 | $125 | 0.88% |
| SUSAN C BRIMHALL3 | 1476 BRIARGROVE WAY OLDSMAR, FL 34677 | AFLAC | $78 | $31 | $109 | 0.77% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY C. NELSON | 8512 WESTERLAND DR. LAND O LAKES, FL 34637 | AFLAC | $59 | $11 | $70 | 0.49% |
| RAM 1 INC3 | 1108 67TH STREET COURT E BRADENTON, FL 34208 | AFLAC | $57 | $0 | $57 | 0.40% |
| NANCY E. WILSON3 | 3225 45TH AVENUE E BRADENTON, FL 34203 | AFLAC | $49 | $7 | $56 | 0.39% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 8600 HIDDEN RIVER PARKWAY SUITE 75 TAMPA, FL 33637 | AFLAC | $36 | $11 | $47 | 0.33% |
| HARRY E HUNT JR3 Filed as: HARRY E. HUNT JR. | 5707 45TH STREET E LOT 208 BRADENTON, FL 34203 | AFLAC | $45 | $0 | $45 | 0.32% |
| JOHN J GRUND3 Filed as: JOHN J. GRUND | 4119 24TH AVENUE WEST BRADENTON, FL 34205 | AFLAC | $33 | $0 | $33 | 0.23% |
| DEREK R MANN3 Filed as: DEREK R. MANN | 361 LEE ROAD 339 SALEM, AL 36874 | AFLAC | $31 | $0 | $31 | 0.22% |
| HEARTLAND BENEFITS INC3 | 233 EAST CENTER AVENUE SEBRING, FL 33870 | AFLAC | $29 | $0 | $29 | 0.20% |
| MEGHAN E MINNEHAN3 | 4540 GULF OF MEXICO DRIVE UNIT F202 LONGBOAT KEY, FL 34228 | AFLAC | $25 | $0 | $25 | 0.18% |
| STEFAN E SCHULT3 | 233 E CENTER AVENUE SEBRING, FL 33870 | AFLAC | $25 | $0 | $25 | 0.18% |
| JANICE NICKELL3 Filed as: JANICE F. NICKELL | 808 DUANE PALMER BOULEVARD SEBRING, FL 33876 | AFLAC | $24 | $0 | $24 | 0.17% |
| JOSEPH BAILEY DUCKETT3 | 13920 58TH STREET N SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $18 | $0 | $18 | 0.13% |
| RENA L HELM3 | 6115 13TH AVENUE E BRADENTON, FL 34208 | AFLAC | $17 | $0 | $17 | 0.12% |
| JEANINE MACKO3 | 1203 MANDERLEE PL. TRINITY, FL 34655 | AFLAC | $11 | $0 | $11 | 0.08% |
| JAMES (JAY) GRIMES3 | 8165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $10 | $0 | $10 | 0.07% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 12346 VILLAGER CT. TAMPA, FL 33625 | AFLAC | $9 | $0 | $9 | 0.06% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 1582 RUNNING DEER DRIVE KERNERSVILLE, NC 27284 | AFLAC | $6 | $0 | $6 | 0.04% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $5 | $0 | $5 | 0.04% |
| PAMELA G GIORDANO3 | 5114 33RD STREET E BRADENTON, FL 34203 | AFLAC | $4 | $0 | $4 | 0.03% |
| JEFFREY PAUL SEPESI3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $3 | $0 | $3 | 0.02% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $3 | — | $3 | 0.02% |
| POWERHOUSE BENEFITS INC.3 | P.O. BOX 13653 AKRON, OH 44334 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOHN C TORTORELLA3 | 14021 BELLAGIO WAY UNIT 211 OSPREY, FL 34229 | AFLAC | $1 | $0 | $1 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | COMPBENEFITS | $1K | $0 | $1K | 8.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $367 | $33 | $400 | 3.57% |
| JOAN A FARNHAM3 Filed as: JOAN A. FARNHAN | 5138 39TH ST. W BRADENTON, FL 34210 | AFLAC | $287 | $60 | $347 | 3.10% |
| JENNIFER FRANCEY TAGGART3 | 64505 CORAL CREEK COURT ELLENTON, FL 34222 | AFLAC | $324 | $0 | $324 | 2.89% |
| URSULA HUNT3 | 5707 45TH STREET E LOT 208 BRADENTON, FL 34203 | AFLAC | $125 | $0 | $125 | 1.12% |
| BARTLEIN AND ASSOC INC3 Filed as: BARTLEIN & ASSOC. INC. | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $90 | $10 | $100 | 0.89% |
| JEFFREY NELSON3 Filed as: JEFFREY C. NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AFLAC | $68 | $7 | $75 | 0.67% |
| JOEL M LUSTGARTEN3 | 1695 STARLING DR. SARASOTA, FL 34231 | AFLAC | $69 | $0 | $69 | 0.62% |
| MICHAEL R REBER3 | 8600 HIDDEN RIVER PARKWAY SUITE 75 TAMPA, FL 33948 | AFLAC | $41 | $7 | $48 | 0.43% |
| DEREK R MANN3 Filed as: DEREK R. MANN | 361 LEE ROAD 339 SALEM, AL 36874 | AFLAC | $43 | $0 | $43 | 0.38% |
| PAMELA G GIORDANO3 Filed as: PAMELA G. GIORDANO | 5114 33RD STREET E BRADENTON, FL 34203 | AFLAC | $34 | $0 | $34 | 0.30% |
| SUSAN C BRIMHALL3 | 1476 BRIARGROVE WAY SUITE 525 OLDSMAR, FL 34677 | AFLAC | $15 | $17 | $32 | 0.29% |
| JEFFREY FOX3 | 2630 ASHTON ROAD SARASOTA, FL 34231 | AFLAC | $32 | $0 | $32 | 0.29% |
| HARRY E HUNT JR3 Filed as: HARRY E. HUNT JR. | 5707 45TH ST. E LOT 208 BRADENTON, FL 34203 | AFLAC | $32 | $0 | $32 | 0.29% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 12346 VILLAGER COURT TAMPA, FL 33625 | AFLAC | $30 | $0 | $30 | 0.27% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE SUITE 525 OLDSMAR, FL 34677 | AFLAC | $20 | $0 | $20 | 0.18% |
| ROGER MAGILL3 | 19170 AVIATION COURT PORT CHARLOTTE, FL 33637 | AFLAC | $14 | $0 | $14 | 0.13% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $14 | $0 | $14 | 0.13% |
| GRAVES INC3 Filed as: GRAVES INC. | 5336 CAPTAINS COURT NEW PORT RICHEY, FL 34652 | AFLAC | $11 | $0 | $11 | 0.10% |
| RAM 1 INC3 Filed as: RAM 1 INC. | 1108 67TH STREET COURT E BRADENTON, FL 34208 | AFLAC | $10 | $0 | $10 | 0.09% |
| RENA L HELM3 | 6115 13TH AVENUE E BRADENTON, FL 34208 | AFLAC | $7 | $0 | $7 | 0.06% |
| JULIE W CRAIG3 | 15655 77TH TRAIL N PALM BEACH GARDENS, FL 33418 | AFLAC | $6 | $0 | $6 | 0.05% |
| JEANNIE MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | AFLAC | $5 | $0 | $5 | 0.04% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $4 | $0 | $4 | 0.04% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $4 | $0 | $4 | 0.04% |
| HARTOLD L STAFFORD3 | 15655 77TH TRAIL N PALM BEACH GARDENS, FL 33418 | AFLAC | $4 | $0 | $4 | 0.04% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 1582 RUNNING DEER DRIVE KERNERSVILLE, NC 27284 | AFLAC | $2 | $0 | $2 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | COMPBENEFITS | $754 | $0 | $754 | 9.05% |
| BRIAN FRAMBES3 | 13112 PEREGRIN CIRCLE BRADENTON, FL 34212 | AFLAC | $300 | $0 | $300 | 8.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $242 | $3 | $245 | 6.97% |
| JOAN A FARNHAM3 | 5138 39TH ST. W BRADENTON, FL 34210 | AFLAC | $122 | $6 | $128 | 3.64% |
| RENA L HELM3 | 6115 13TH AVENUE E BRADENTON, FL 34208 | AFLAC | $83 | $0 | $83 | 2.36% |
| BARTLEIN AND ASSOCIATES INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $46 | $1 | $47 | 1.34% |
| MEGHAN E MINNEHAN3 | 4540 GULF OF MEXICO DRIVE UNIT F202 LONGBOAT KEY, FL 34228 | AFLAC | $40 | $0 | $40 | 1.14% |
| JOSEPH BAILEY DUCKETT3 | 13920 58TH STREET N SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $27 | $0 | $27 | 0.77% |
| JEANNINE MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | AFLAC | $23 | $0 | $23 | 0.65% |
| RAM 1 INC3 | 1108 67TH STREET COURT E BRADENTON, FL 34208 | AFLAC | $17 | $0 | $17 | 0.48% |
| MARK MACKO3 | 1203 MANDERLEE PLACE TRINITY, FL 34655 | AFLAC | $11 | $0 | $11 | 0.31% |
| MRB & ASSOC LI LLC3 | PO BOX 880 ARCADIA, FL 34265 | AFLAC | $7 | $0 | $7 | 0.20% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY C NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AFLAC | $5 | $1 | $6 | 0.17% |
| DEBRA W KNIGHT3 | 4715 HIGH GROVE ROAD TALLAHASSEE, FL 32309 | AFLAC | $4 | $0 | $4 | 0.11% |
| MICHAEL R REBER3 | 8600 HIDDEN RIVER PARKWAY SUITE 75 TAMPA, FL 33637 | AFLAC | $3 | $1 | $4 | 0.11% |
| SUSAN C BRIMHALL3 | 1478 BRIARGROVE WAY SUITE 525 OLDSMAR, FL 34677 | AFLAC | $2 | $2 | $4 | 0.11% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $2 | $0 | $2 | 0.06% |
| ROGER L KNIGHT3 | 4715 HIGH GROVE ROAD TALLAHASSEE, FL 32309 | AFLAC | $2 | $0 | $2 | 0.06% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE SUITE 525 OLDSMAR, FL 34677 | AFLAC | $1 | $0 | $1 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | COMPBENEFITS | $299 | $0 | $299 | 9.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | COMPBENEFITS | $253 | $0 | $253 | 8.50% |
| URSULA HUNT3 | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $36 | $0 | $36 | 2.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | AFLAC | $24 | — | $24 | 1.90% |
| JOEL M LUSTGARTEN3 | 1695 STARLING DR SARASOTA, FL 34231 | AFLAC | $21 | $0 | $21 | 1.67% |
| DEREK R MANN3 | 361 LEE ROAD 339 SALEM, AL 36874 | AFLAC | $14 | $0 | $14 | 1.11% |
| HARRY E HUNT JR3 Filed as: HARRY E HUNT JR. | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $11 | $0 | $11 | 0.87% |
| BARTLEIN AND ASSOCIATES INC3 Filed as: BARTLEIN AND ASSOCIATES INC. | 5577 BROADCAST CT. SARASOTA, FL 34240 | AFLAC | $9 | — | $9 | 0.71% |
| WAMPLER SCHMITH & WITKOWSKI, INC3 Filed as: WAMPLER SCHMITH WITKOWSKI, INC. | PO BOX 1707 ENGLEWOOD, FL 34295 | AFLAC | $8 | $0 | $8 | 0.63% |
| GRAVES INC3 Filed as: GRAVES INC. | 5336 CAPTAINS COURT NEW PORT RICHEY, FL 34652 | AFLAC | $5 | $0 | $5 | 0.40% |
| ROGER L KNIGHT3 | 4715 HIGHGROVE ROAD TALLAHASSEE, FL 32309 | AFLAC | $4 | — | $4 | 0.32% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $2 | $0 | $2 | 0.16% |
| JOHN J GRUND3 | 4119 24TH AVENUE WEST BRADENTON, FL 34205 | AFLAC | $1 | $0 | $1 | 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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $1.4M |
| Vision(4 contracts) | COMPBENEFITS | 100 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 337 | $146K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 337 | $146K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $1.4M |
| Other(5 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 337 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.