| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | HUMANA MEDICAL PLAN, INC. | $45K | $11K | $56K | 6.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 12485 28TH ST N 2ND FL ST PETERSBURG, FL 327161825 | HUMANA MEDICAL PLAN, INC. | $9K | — | $9K | 1.07% |
| JAN HAMBY ALDAMUY3 Filed as: JAN ALDAMUY | 2031 MONTEGO CT OLDSMAR, FL 34677 | AFLAC | $2K | $174 | $2K | 3.04% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $2K | $18 | $2K | 2.93% |
| CLEAR LIGHT SERVICES LLC3 Filed as: CLEAR LIGHT SERVICES | 2751 CHALLENGER DRIVE PALM HARBOR, FL 34683 | AFLAC | $738 | — | $738 | 1.23% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $640 | $6 | $646 | 1.07% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $627 | — | $627 | 1.04% |
| BARBARA SUSAN HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $597 | $9 | $606 | 1.01% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DR HAMPTON, GA 30228 | AFLAC | $370 | $9 | $379 | 0.63% |
| MARIA TERESA DAVIS3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $369 | $3 | $372 | 0.62% |
| GROVE FINANCIAL LLC3 | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $257 | $34 | $291 | 0.48% |
| MITCHELL KOGGE3 | 11007 SUMMER DR TAMPA, FL 33624 | AFLAC | $225 | $6 | $231 | 0.38% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D HAWKINS | 3216 MEDICI BLVD NEW SYMRNA, FL 32168 | AFLAC | $124 | $27 | $151 | 0.25% |
| ANGELICA SAMANIEGO3 | 792 N STEELE DR HAMPTON, GA 30228 | AFLAC | $137 | — | $137 | 0.23% |
| THOMAS BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $116 | $2 | $118 | 0.20% |
| LUPIE TONIE GUERRERO3 | 804 KINGS ROW COHUTTA GA, GA 30710 | AFLAC | $103 | — | $103 | 0.17% |
| NICOLE LYNN RIHANEK3 | 1205 6TH AVE E APT 4312 BRADENTON, FL 34208 | AFLAC | $100 | — | $100 | 0.17% |
| KAREN D SHATTUCK3 | 2298 AMERICUS BLVD E APT 6 CLEARWATER, FL 33763 | AFLAC | $66 | $30 | $96 | 0.16% |
| STONYBROOK FINANCIAL SERVICES3 | PO BOX 1 ST JOHNSBURY, VT 05819 | AFLAC | $86 | — | $86 | 0.14% |
| MILLAN B TERRELL3 | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $72 | — | $72 | 0.12% |
| JENNIE MOORE HAWKINS3 | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | AFLAC | $59 | $6 | $65 | 0.11% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $56 | — | $56 | 0.09% |
| DEREK W STRANGE3 | 26 TROTTERS WALK NE CARTERSVILLE, GA 30121 | AFLAC | $55 | — | $55 | 0.09% |
| LINDA J MCCOY3 | 509 PINE ST PALMETTO, GA 30268 | AFLAC | $44 | — | $44 | 0.07% |
| SUSAN L O'CONNOR3 | 3530 SAM ALLEN OAKS CIR PLANT CITY, FL 33565 | AFLAC | $41 | — | $41 | 0.07% |
| JEFFREY B HAWKINS3 | 244 S WOODLAND BLVD STE B DELAND, FL 32720 | AFLAC | $34 | $6 | $40 | 0.07% |
| ISABEL GARCIA FARNHAM3 Filed as: ISABEL GARCIA FARHNAM | 12144 ROCK DUCK AVE WEEKI WACHEE, FL 34614 | AFLAC | $30 | — | $30 | 0.05% |
| JUDY M BIRD3 | 1905 RICHLAND LN DALTON, GA 30720 | AFLAC | $28 | — | $28 | 0.05% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $26 | — | $26 | 0.04% |
| DONNA N THOMAS3 | 71 MONTROSE LN SHARPSBURG, GA 302772394 | AFLAC | $24 | — | $24 | 0.04% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $22 | — | $22 | 0.04% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $21 | — | $21 | 0.03% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $19 | — | $19 | 0.03% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $18 | — | $18 | 0.03% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUIE 180 ROSEVILLE, CA 95661 | AFLAC | $15 | $2 | $17 | 0.03% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $11 | — | $11 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 2400 COMMERCIAL BLVD STE 600 FT LAUDERDALE, FL 33308 | AFLAC | $6 | — | $6 | 0.01% |
| TRAVIS L WILLEY3 | 673 17TH ST S SARTELL, MN 56377 | AFLAC | $4 | — | $4 | 0.01% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $3 | — | $3 | 0.00% |
| JOYCE WEBER ENTERPRISES INC3 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $3 | — | $3 | 0.00% |
| CRAIG KUHL3 Filed as: CRAIG STEPHAN KUHL | 2001 W DE LEON ST APT 4 TAMPA, FL 33606 | AFLAC | $1 | $2 | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MARIA FE ARLENE BROWN | 1086 RIVER OAKS BLVD LEBANON, TN 37090 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL R REBER3 Filed as: MICHAEL B REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $2 | — | $2 | 0.00% |
| JERRY R MAUREY3 | 34401 SMART DR ZEPHYRHILLS, FL 33541 | AFLAC | $2 | — | $2 | 0.00% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $2 | — | $2 | 0.00% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $2 | — | $2 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.00% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN GRAZIANO3 | 45 LEE ROAD 2126 SALEM, AL 36874 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $1 | — | $1 | 0.00% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ANN REILLY | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $0 | — | $0 | 0.00% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER MOREHEAD | 13412 WHITBY RD HUDSON, FL 34667 | AFLAC | $0 | — | $0 | 0.00% |
| SUSAN BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $0 | — | $0 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $0 | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | SUITE 201 3605 GLENWOOD AVENUE RALEIGH, NC 276123908 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 8.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 12485 28TH ST N 2ND FL ST PETERSBURG, FL 327161825 | HUMANA INSURANCE COMPANY | $707 | — | $707 | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 | SUITE 201 3605 GLENWOOD AVENUE RALEIGH, NC 276123908 | HUMANADENTAL INSURANCE COMPANY | $204 | — | $204 | 10.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 12485 28TH ST N 2ND FL ST PETERSBURG, FL 327161825 | HUMANADENTAL INSURANCE COMPANY | $38 | — | $38 | 1.87% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 131 | $882K |
| Vision(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 131 | $880K |
| Life insurance | AFLAC | 94 | $60K |
| Other | AFLAC | 94 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.