| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE #1000 JACKSONVILLE, FL 32202 | UNITEDHEALTCARE INSURANCE COMPANY | $6K | $0 | $6K | 9.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | OCALA DIV 1720 SE 16TH AVE STE 301 OCALA, FL 34471 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.36% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 322024941 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $469 | $0 | $469 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1720 SE 16TH AVE SUITE 301 OCALA, FL 34471 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $320 | $0 | $320 | 3.43% |
| KRIS & ASSOC INSURANCE INC3 | 3720 NW 43RD ST #100 GAINESVILLE, FL 32606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | $0 | $248 | 2.66% |
| CHRISTOPHER K YANCEY3 | 2118 SE 20TH AVE SUITE 101 OCALA, FL 34471 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.50% |
| TOM W COOPER3 | 7325 S FULTON AVENUE TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.45% |
| DAVID B PHILLIPS3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.34% |
| ROSS LEHMAN3 | 2118 SW 20TH PLACE OCALA, FL 34474 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.19% |
| ADVANCED BENEFITS SVCS LLC3 | 2118 SW 20TH PLACE SUITE 101 OCALA, FL 34471 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.19% |
| MICHAEL SASSER3 | C/O BENEFIT SERVICES GRP INC 1200 EAST TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.11% |
| FRANK L TOWNSEND III3 | C/O BENEFITS SERVICES GRP INC 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| TERESA WEST3 | 8833 PERIMETER PARK BLVD SUITE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| DONALD LIKENS3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $9K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $28K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $24K |
| Life insurance | UNITEDHEALTCARE INSURANCE COMPANY | 318 | $64K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.