| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA THE ELAN GROUP 2910 BAY TO BAY BLVD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318K | — | $318K | 24.58% |
| FRANK P DOHERTY3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES ROAD SUITE 240W BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $502 | — | $502 | 0.04% |
| BRIAN EDWARD JUND3 | 34 FALKNER DRIVE LADERA RANCH, CA 92694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.00% |
| MCGEE JR., GERALD M3 Filed as: MCGEE ALDEN DOWLING | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| SANDRA J MOORE3 | 524 2ND STREET NEPTUNE BEACH, FL 32266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.00% |
| CORDELL FINANCIAL INC3 | 479 OSPREY PT PONTE VEDRA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| THOMAS O'NEAL DOUGLAS JR3 | 7954 MOUNT RANIER DRIVE JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | COMBINED INSURANCE COMPANY | $112K | — | $112K | 13.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | DBA ELAN GROUP 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.82% |
| CUSTOM BENEFIT PROGRAMS INC3 | DBA UNIVERS WORKPLACE PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | DBA THE ELAN GROUP 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | THE LEGAL PLAN, INC. D/B/A/ PREFERRED LEGAL PLAN | $3K | — | $3K | 5.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LEGAL PLAN, INC. D/B/A/ PREFERRED LEGAL PLAN | $3K | — | $3K | 5.87% |
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 | 5,580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 854 | $1.3M |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,513 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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.