| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLER INSURANCE PARTNERS INC3 | 1065 SOUTH FLORIDA AVENUE SUITE 2 LAKELAND, FL 33803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $171K | — | $171K | 7.32% |
| WALLER INSURANCE PARTNERS INC3 Filed as: WALLER INSURANCE PARTNERS | 1065 S FLORIDA AVE STE 2 LAKELAND, FL 33803 | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | $14K | — | $14K | 12.00% |
| WALLER INSURANCE PARTNERS INC3 Filed as: WALLER INSURANCE PARTNERS | 1065 S FLORIDA AVE. STE 2 LAKELAND, FL 33803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | AFLAC | $309 | — | $309 | 1.69% |
| URSULA HUNT3 | 5707 45TH ST E LOT 208 BRANDENTON, FL 34203 | AFLAC | $181 | — | $181 | 0.99% |
| JOAN A FARNHAM3 | 5138 39TH ST W BRADENTON, FL 34210 | AFLAC | $155 | — | $155 | 0.85% |
| BOZER & ASSOCIATES LLC3 | 5655 CYNTHIA LN SARASOTA, FL 34235 | AFLAC | $155 | — | $155 | 0.85% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $144 | — | $144 | 0.79% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $114 | — | $114 | 0.62% |
| JOEL M LUSTGARTEN3 | 3000 N OCEAN DR APT 14H RIVIERA BEACH, FL 33404 | AFLAC | $102 | — | $102 | 0.56% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $92 | — | $92 | 0.50% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRANDENTON, FL 34208 | AFLAC | $58 | — | $58 | 0.32% |
| JANICE NICKELL3 Filed as: JANICE F NICKELL | 808 DUANE PALMER BLVD SEBRING, FL 33876 | AFLAC | $57 | — | $57 | 0.31% |
| HARRY E HUNT JR3 | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $48 | — | $48 | 0.26% |
| REBECCA A MCQUILLEN3 | 1108 67TH STRRET CT E BRADENTON, FL 34208 | AFLAC | $47 | — | $47 | 0.26% |
| HEARTLAND BENEFITS INC3 | 233 EAST CENTER AVE SEBRING, FL 33870 | AFLAC | $40 | — | $40 | 0.22% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $37 | — | $37 | 0.20% |
| STEFAN E SCHULT3 | 233 E CENTER AVE SEBRING, FL 33870 | AFLAC | $34 | — | $34 | 0.19% |
| JOHN J GRUND3 | 4119 24TH AVE W BRADENTON, FL 34205 | AFLAC | $31 | — | $31 | 0.17% |
| HEARTLAND BENEFITS INC3 | 233 EAST CENTER AVE SEBRING, FL 33870 | AFLAC | $29 | — | $29 | 0.16% |
| STEFAN E SCHULT3 Filed as: STEFAN SCHULT | 4216 EILAND DR SEBRING, FL 33875 | AFLAC | $24 | — | $24 | 0.13% |
| RENA L HELM3 | 645 13TH AVE E BRADENTON, FL 34208 | AFLAC | $20 | — | $20 | 0.11% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 8512 WESTERNLAND DR LAND O LAKES, FL 34637 | AFLAC | $18 | — | $18 | 0.10% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $18 | — | $18 | 0.10% |
| JEANNINE MACKO3 | 1203 MANDERLEE PL TRINITY, FL 34655 | AFLAC | $14 | — | $14 | 0.08% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $11 | — | $11 | 0.06% |
| MICHAEL R REBER3 | 20101 HERON CROSSING RD TAMPA, FL 33647 | AFLAC | $9 | — | $9 | 0.05% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $9 | — | $9 | 0.05% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 301 N ELM ST STE 520 GREENSBORO, NC 27401 | AFLAC | $6 | — | $6 | 0.03% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $5 | — | $5 | 0.03% |
| MARK A LINSNER3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $5 | — | $5 | 0.03% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $4 | — | $4 | 0.02% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERALE, FL 33309 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE SUITE 1104 CLERMONT, FL 34711 | AFLAC | $4 | — | $4 | 0.02% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES A HARBOUR | 1100 ALAKEA ST STE 3200 HONOLULU, HI 96813 | AFLAC | $2 | — | $2 | 0.01% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $2 | — | $2 | 0.01% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIFER B MOREHEAD3 | 13412 WHITBY RD HUDSON, FL 34677 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFERY PAUL SEPESI3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.01% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $1 | — | $1 | 0.01% |
| DELORES ELAINE PINKOWSKI3 | HC 64 BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES A HARBOUR | 405 BARSCHALL DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $1 | — | $1 | 0.01% |
| WALLER INSURANCE PARTNERS INC3 Filed as: WALLER INSURANCE PARTNERS | 1065 S FLORIDA AVE. STE 2 LAKELAND, FL 33803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | AFLAC | $270 | — | $270 | 2.08% |
| JOAN A FARNHAM3 | 5138 39TH ST W BRADENTON, FL 34210 | AFLAC | $190 | — | $190 | 1.47% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $119 | — | $119 | 0.92% |
| URSULA HUNT3 | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $79 | — | $79 | 0.61% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | AFLAC | $55 | — | $55 | 0.42% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $51 | — | $51 | 0.39% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $49 | — | $49 | 0.38% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 33603 | AFLAC | $42 | — | $42 | 0.32% |
| JOEL M LUSTGARTEN3 | 3000 N OCEAN DR APT 14H RIVIERA BEACH, FL 33404 | AFLAC | $40 | — | $40 | 0.31% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $39 | — | $39 | 0.30% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $31 | — | $31 | 0.24% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $30 | — | $30 | 0.23% |
| BOZER & ASSOCIATES LLC3 | 5655 CYNTHIA LANE SARASOTA, FL 34235 | AFLAC | $28 | — | $28 | 0.22% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMAPA, FL 33647 | AFLAC | $28 | — | $28 | 0.22% |
| HARRY E HUNT JR3 | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $22 | — | $22 | 0.17% |
| JEFFREY J FOX3 | 2630 ASHTON RD SARASOTA, FL 34235 | AFLAC | $21 | — | $21 | 0.16% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $18 | — | $18 | 0.14% |
| PAMELA G GIORDANO3 | 5114 33RD ST E BRADENTON, FL 34203 | AFLAC | $16 | — | $16 | 0.12% |
| CLIFFORD BRUCE ESKEW JR3 | 13920 58TH ST N STE 1002 CLEARWATER, FL 33760 | AFLAC | $12 | — | $12 | 0.09% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $11 | — | $11 | 0.08% |
| RENA L HELM3 | 6115 13TH AVE E BRADENTON, FL 34208 | AFLAC | $9 | — | $9 | 0.07% |
| JEFFREY GLENN YARISH3 | 16122 ARIMSTEAD LN ODESSA, FL 33556 | AFLAC | $6 | — | $6 | 0.05% |
| JEANNINE MACKO3 | 1203 MANDERLEE PL TRINITY, FL 34655 | AFLAC | $6 | — | $6 | 0.05% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $5 | — | $5 | 0.04% |
| REBECCA A MCQUILLEN3 | 1108 67TH STREET CT E BRADENTON, FL 34208 | AFLAC | $4 | — | $4 | 0.03% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $4 | — | $4 | 0.03% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $3 | — | $3 | 0.02% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD SE STE 900 ATLANTA, GA 30339 | AFLAC | $2 | — | $2 | 0.02% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 301 N ELM ST STE 520 GREENSBORO, NC 27401 | AFLAC | $2 | — | $2 | 0.02% |
| DELORES ELAINE PINKOWSKI3 | HC 64 BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $2 | — | $2 | 0.02% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.02% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $2 | — | $2 | 0.02% |
| JOSEPH DUCKETT3 Filed as: JOSEPH BAILEY DOCKETT | 119 NORTHBRIDGE TRCE WOODSTOCK, GA 30188 | AFLAC | $2 | — | $2 | 0.02% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $1 | — | $1 | 0.01% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $1 | — | $1 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | AFLAC | $61 | — | $61 | 1.45% |
| BOZER & ASSOCIATES LLC3 | 5655 CYNTHIA LANE SARASOTA, FL 34235 | AFLAC | $34 | — | $34 | 0.81% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $31 | — | $31 | 0.74% |
| ROGER MAGILL3 | 19170 AVIATION CT PORT CHAROLETTE, FL 33948 | AFLAC | $28 | — | $28 | 0.67% |
| JOAN A FARNHAM3 | 5138 39TH ST W BRADENTON, FL 34210 | AFLAC | $20 | — | $20 | 0.48% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $20 | — | $20 | 0.48% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $17 | — | $17 | 0.41% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $16 | — | $16 | 0.38% |
| MEGHAN E MINNEHAN3 | 916 KNOWLES ST ROYAL OAK, MI 48067 | AFLAC | $15 | — | $15 | 0.36% |
| JULIE W CRAIG3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $15 | — | $15 | 0.36% |
| DESOTO MOULTON LLC3 | PO BOX 880 ARCADIA, FL 34265 | AFLAC | $9 | — | $9 | 0.21% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $8 | — | $8 | 0.19% |
| DEBRA W KNIGHT3 | 4715 HIGHGROVE RD TALLAHASSEE, FL 32309 | AFLAC | $5 | — | $5 | 0.12% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR SE STE 900 ATLANTA, GA 30339 | AFLAC | $4 | — | $4 | 0.10% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $4 | — | $4 | 0.10% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $3 | — | $3 | 0.07% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.05% |
| ROGER L KNIGHT3 | 4715 HIGHGROVE RD TALLAHASSEE, FL 32309 | AFLAC | $2 | — | $2 | 0.05% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 34240 | AFLAC | $1 | — | $1 | 0.02% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $1 | — | $1 | 0.02% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $1 | — | $1 | 0.02% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.02% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $1 | — | $1 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | AFLAC | $44 | — | $44 | 1.74% |
| URSULA HUNT3 | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $39 | — | $39 | 1.55% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $28 | — | $28 | 1.11% |
| BOZER & ASSOCIATES LLC3 Filed as: BOZER & ASSOCIATES INC | A5655 CYNTHIA LN SARATOSA, FL 34235 | AFLAC | $27 | — | $27 | 1.07% |
| JOEL M LUSTGARTEN3 Filed as: JOEL M LUSTAGRTEN | 3000 N OCEAN DR APT 14H RIVIERA BEACH, FL 33404 | AFLAC | $23 | — | $23 | 0.91% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $17 | — | $17 | 0.67% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $15 | — | $15 | 0.59% |
| HARRY E HUNT JR3 | 5707 45TH ST E LOT 208 BRADENTON, FL 34203 | AFLAC | $12 | — | $12 | 0.48% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTER LOOP BRANDENTON, FL 34202 | AFLAC | $8 | — | $8 | 0.32% |
| WAMPLER SCHMITH & WITKOWSKI, INC3 Filed as: WAMPLER SCHMITH WITKOWSKI INC | PO BOX 1707 ENGELWOOD, FL 34295 | AFLAC | $7 | — | $7 | 0.28% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $6 | — | $6 | 0.24% |
| ROGER L KNIGHT3 | 4715 HIGHGROVE RD TALLAHASSEE, FL 32309 | AFLAC | $4 | — | $4 | 0.16% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.08% |
| DELORES ELAINE PINKOWSKI3 | HC 64 BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $1 | — | $1 | 0.04% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.04% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.04% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $2.3M |
| Life insurance | LIFE INSURANCE OF COMPANY OF NORTH AMERICA | 422 | $116K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $2.3M |
| Other(5 contracts, 2 carriers) | AFLAC | 391 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.