| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 | 7100 PLANTATION ROAD SUITE 2 PENSACOLA, FL 32504 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $418K | — | $418K | 1.55% |
| COMBINED INSURANCE SERVICES3 | 7100 PLANTATION ROAD SUITE 2 PENSACOLA, FL 32504 | HEALTH OPTIONS INC | $42K | — | $42K | 1.67% |
| COMBINED INSURANCE SERVICES3 | 2014 N 12TH AVENUE PENSACOLA, FL 32503 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.50% |
| RON SEDLACEK3 | 7100 PLANTATION ROAD SUITE 2 PENSACOLA, FL 32504 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.50% |
| GARDEN STREET INSURANCE, INC3 Filed as: GARDEN STREET INSURANCE | 10 WOODCROSS DRIVE COLUMBIA, SC 29212 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $31K | — | $31K | 9.99% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.71% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 7.69% |
| RONALD S SEDLACEK3 Filed as: RONALD SEDLACEK | 7100 PLANTATION ROAD SUITE 2 PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 6.75% |
| FAYE INFINGER3 | 5308 ROWE TRAIL PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 3.52% |
| GEORGE G DYESS3 | 2577 SOUTHERN OAKS DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 3.15% |
| DAVID E SECKINGER JR3 | 2803 E CERVANTES SUITE C PENSACOLA, FL 32503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.76% |
| CECILIA DAWN SAPP3 | 2803 E CERVANTES SUITE C PENSACOLA, FL 32503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| LAMAR HIXON RAWSON3 | 1542 HUNTERS CREEK DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 0.17% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTH BROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.05% |
| EMTT INC3 | C/O TAYLOR INSURANCE SERVICES PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.04% |
| TERRY L GAHAGAN3 | 1070 TUNNELL ROAD BLDG 2 SUITE 3 ASHEVILLE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| F & H FINANCIAL LLC3 | 665 MAIN STREET WALTHAM, MA 02451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.02% |
| TIMOTHY G JARRELL3 | 418 HWY NC 150 WEST GREENSBORO, NC 27455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| RUTH P CASKEY3 | 7100 PLANTATION ROAD SUITE 2 PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| ALLISON CORNOY-MORGAN3 Filed as: ALLISON CORNOY MORGAN | 44 REYNOLDS MOUNTAIN BLVD SUITE 301 ASHEVILLE, NC 28804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| JOSEPH L WROBLEWSKI3 | 19044 NE WOODMONT RAOD BLOUNTSTOWN, FL 32424 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| BRIAN J HAWKINS3 | 1066 US HWY 331 SOUTH DEFUNIAK SPRINGS, FL 32435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| CHARLES F KIMBALL3 | 3050 ENGLISH OAK CIRCLE PENSACOLA, FL 32526 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| GEORGE C MATTISON JR3 Filed as: GEORGE C MATTISON | 1844 FARROW DRIVE ROCK HILL, SC 29732 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| FELTON EUGENE TURNER3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| MICHAEL H HUTTO3 | 6347 PICKNEY HILL ROAD TALLAHASSEE, FL 32312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| IRA E GOLDFIELD3 | 2803 SCOTT MILL ESTATES DRIVE JACKSONVILLE, FL 32257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| JEROME H FURR3 | 316 BEVERLY CIRCLE CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| THOMAS O'NEAL DOUGLAS JR3 Filed as: THOMAS ONEAL DOUGLAS JR | 7936 PINE LAKE ROAD JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT | 110 LOGAN LANE SUITE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| DUMAS ENTERPRISES INC3 | 512 BROWN WALK CANTON, GA 30114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BILL SHYTLE AGENCY INC3 | 2170 HENDERSONVILLE ROAD ARDEN, NC 28704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HORACE E GASKINS JR3 | 327 HORSESHOE BEND WOODSTOCK, GA 30189 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WILLIAM J MEEBOER JR3 | 3997 COMMONS DR W SUITE H DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DAVID G MARROW3 | 3997 COMMONS DR W SUITE H DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KIMBERLY H GODFREY3 | 6324 ALVARADO ROAD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VIOLETTA A. WHITING3 Filed as: VIOLETTA A WHITING | 26940 LEPORT ST BONITA SPRINGS, FL 34135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARY C COOK3 | 935 VINCENT LANE FT WALTON BEACH, FL 32547 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GREG DYESS3 | 2577 SOUTHERN OAKS DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COMBINED INSURANCE SERVICES3 | 2704 N 12TH AVENUE PENSACOLA, FL 32503 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 13.76% |
| RONALD S SEDLACEK3 Filed as: RONALD SEDLACEK | 7100 PLANTATION ROAD SUITE 2 PENSACOLA, FL 32504 | COMPBENEFITS | $10K | — | $10K | 9.98% |
| COMBINED INSURANCE SERVICES3 | 2704 N 12TH AVENUE PENSACOLA, FL 32503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 20.00% |
| COMBINED INSURANCE SERVICES3 | 2014 N 12TH AVENUE PENSACOLA, FL 32503 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.32% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $535 | — | $535 | 14.99% |
| SARAH A MACLEOD3 | 8033 US 25/70 HWY MARSHALL, NC 28753 | AFLAC | $158 | — | $158 | 15.75% |
| LISA H MCKINNEY3 | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $31 | — | $31 | 3.09% |
| SUSAN RUSSELL3 | 120 W ALLEN STREET SUITE 20 HENDERSONVILLE, NC 28792 | AFLAC | $26 | — | $26 | 2.59% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | 606 SOOY LANE ABSECON, NJ 08201 | AFLAC | $22 | — | $22 | 2.19% |
| ANDREA THURMOND3 | PO BOX 833 FRANKLIN, NC 28744 | AFLAC | $18 | — | $18 | 1.79% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RAOD SUITE A HICKORY, NC 28601 | AFLAC | $18 | — | $18 | 1.79% |
| RENEE M BARGER3 | 28 CHANCE CV ASHEVILLE, NC 28806 | AFLAC | $8 | — | $8 | 0.80% |
| REBECCA D PETTIT3 | 45 MEREDITH DRIVE BREVARD, NC 28712 | AFLAC | $8 | — | $8 | 0.80% |
| TERRI G MOOSE3 | 1255 FOREST WOOD DR LEWISVILLE, NC 27023 | AFLAC | $5 | — | $5 | 0.50% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.10% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD SUITE A HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.10% |
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 | 6,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 2,477 | $29.7M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,026 | $885K |
| Vision(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 2,421 | $412K |
| Life insurance(6 contracts, 6 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 2,072 | $742K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 165 | $307K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 165 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,026 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.