| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INS & FINANCIAL SVCS AN ALER3 | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $0 | $37K | 8.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 2.52% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE G. POLLOCK | 5444 OAKMONT DRIVE PACE, FL 32571 | AFLAC | $7K | $79 | $7K | 9.07% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS AN ALERA GRP | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | AFLAC | $5K | $0 | $5K | 5.88% |
| WILLIAM TYLER BRUNNER3 | 5644 CHURCHILL DOWNS CT PACE, FL 32571 | AFLAC | $3K | $110 | $3K | 4.31% |
| BRIAN V ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $2K | $100 | $3K | 3.19% |
| JESSICA MARIE MUSACCHIA3 | 8118 TREETOP LANE PENSACOLA, FL 32514 | AFLAC | $2K | $118 | $2K | 2.60% |
| JOHN C POLLOCK3 | 5444 OAKMONT DR MILTON, FL 32571 | AFLAC | $820 | $351 | $1K | 1.49% |
| BRIAN V ANDREWS3 Filed as: BRIAN ANDREWS AND OTHER AGENTS | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $600 | $9 | $609 | 0.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1582 AIRPORT BLVD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.59% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $441K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $441K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $441K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $441K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $441K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.