| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED INSURANCE SERVICES3 | 7100 PLANTATION RD SUITE 2 PENSACOLA, FL 32504 | BLUE CROSS AND BLUE SHEILD OF FLORIDA | $419K | — | $419K | 1.60% |
| COMBINED INSURANCE SERVICES3 | 7100 PLANTATION RD SUITE 2 PENSACOLA, FL 32504 | HEALTH OPTIONS, INC | $44K | — | $44K | 1.72% |
| RON SEDLACEK3 | P O BOX 15230 PENSACOLA, FL 32514 | GUARDIAN LIFE INSURANCE COMPANY | $26K | — | $26K | 1.50% |
| COMBINED INSURANCE SERVICES3 | 2014 N 12TH AVE PENSACOLA, FL 32503 | GUARDIAN LIFE INSURANCE COMPANY | $26K | — | $26K | 1.50% |
| CHARLES A WALDEN3 | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $43K | — | $43K | 9.11% |
| RON SEDLACEK3 | P O BOX 15230 PENSACOLA, FL 32514 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 6.36% |
| GEORGE G DYESS3 | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 2.41% |
| FAYE INFINGER3 | 5308 ROWE TRAIL PACE, FL 32571 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 2.14% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 1.57% |
| CECILIA DAWN SAPP3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.64% |
| LAMAR HIXON RAWSON3 | 1542 HUNTERS CREEK DRIVE CANTONMENT, FL 32533 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $756 | — | $756 | 0.16% |
| MAIA LABOW3 | 666 DUNDEE ROAD ST 1603 NORTHBROOK, IL 60062 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 0.05% |
| EMTT INC3 Filed as: EMTT, INC | C/O TAYLOR INSURANCE SERVICES P O BOX 190 VALDOSTA, GA 31603 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 0.04% |
| TERRY L GAHAGAN3 | 1070 TUNNELL ROAD BLDG 2 SUITE 3 ASHEVILLE, NC 28805 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.03% |
| TIMOTHY G JARRELL3 | 301 S ELM ST SUITE 824 GEENSBORO, NC 27401 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.02% |
| ALLISON CORNOY-MORGAN3 | 44 REYNOLDS MOUNTAIN BLVD SUTIE 301 ASHEVILLE, NC 28804 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.02% |
| RUTH P CASKEY3 | 7100 PLANTATION RD UNIT 2 PENSACOLA, FL 32504 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.02% |
| GEORGE C MATTISON JR3 Filed as: GEORGE C MATTISON | 1844 FARROW DRIVE ROCK HILL, SC 29732 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.02% |
| JOSEPH L WROBLEWSKI3 | 19044 NE WOODMONT RD BLOUNTSTOWN, FL 32424 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.01% |
| CHARLES F KIMBALL3 | 3050 ENGLISH OAK CIRCLE PENSACOLA, FL 32526 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| F & H FINANCIAL LLC3 | 665 MAIN ST WALTHAM, MA 02451 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.01% |
| BRIAN J HAWKINS3 | 1066 US HWY 331 SOUTH DEFUNIAK SPRINGS, FL 32435 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.01% |
| FELTON EUGENE TURNER3 | 8464 VICKERS ROAD HAHIRA, GA 31632 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.01% |
| MICHAEL H HUTTO3 Filed as: MICHAEL HUTTO | 6347 PICKNEY HILL ROAD TALLAHASSEE, FL 32312 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| IRA E GOLDFIELD3 Filed as: IRA G GOLDFIELD | 2803 SCOTT MIL ESTATES DRIVE JACKSONVILLE, FL 32257 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT INC | 110 LOGAN LANE STE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| THOMAS O'NEAL DOUGLAS JR3 | 7936 PINE LAKE ROAD JACKSONVILLE, FL 32256 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| BILL SHYTLE AGENCY INC3 | 2170 HENDERSONVILLE RD ARDEN, NC 28704 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DAVID G MARROW3 | 3997 COMMONS DR W STE H DESTIN, FL 32541 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| WILLIAM J MEEBOER JR3 | 3997 COMMONS DR W STE H DESTIN, FL 32541 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| HORACE E GASKINS JR3 | 111 GLEN TRAIL WOODSTOCK, GA 30188 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JEROME H FURR3 | 316 BEVERLY CIRCLE CHARLOTTE, NC 28270 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| VIOLETTA A. WHITING3 Filed as: VIOLETTA A WHITING | 26940 LEPORT ST BONITA SPRINGS, FL 34135 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SEDLACEK, RONALD S3 | 7100 PLANTATION RD SUITE 2 PENSACOLA, FL 32504 | COMPBENEFITS COMPANY | $33K | — | $33K | 9.84% |
| GARDEN STREET INSURANCE, INC3 Filed as: GARDEN STREET INSURANCE | 10 WOODCROSS DR COLUMBIA, SC 29212 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $32K | — | $32K | 10.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC, THE | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.63% |
| COMBINED INSURANCE SERVICES3 | 2704 N 12 AVE PENSACOLA, FL 32503 | UNITED HEALTH CARE INSURANCE COMPANY | $34K | — | $34K | 14.68% |
| COMBINED INSURANCE SERVICES3 | 2704 N 12 AVE PENSACOLA, FL 32503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 20.00% |
| COMBINED INSURANCE SERVICES3 | 2014 N 12TH AVE PENSACOLA, FL 32503 | THE GUARDIAN LIFE INSURANCE COMPANY | $480 | — | $480 | 1.33% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $301 | $3K | 17.00% |
| LISAN H MCKINNEY3 | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $39 | $10 | $49 | 3.68% |
| SUSAN HAMER3 | 120 W ALLEN ST SUITE 20 HENDERSONVILLE, NC 28792 | AFLAC | $33 | $10 | $43 | 3.23% |
| SARAH A MACLEOD3 | 8033 US 25/40 HWY MARSHALL, NC 28753 | AFLAC | $40 | — | $40 | 3.01% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $21 | $10 | $31 | 2.33% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | 606 SOOY LANE ABSECON, NJ 08201 | AFLAC | $17 | — | $17 | 1.28% |
| ANDREA THURMOND3 | P O BOX 833 FRANKLIN, NC 28744 | AFLAC | $16 | — | $16 | 1.20% |
| REBECCA D PETTIT3 | 710 FARMING CIR HENDERSONVILLE, NC 28739 | AFLAC | $14 | — | $14 | 1.05% |
| RENEE M BARGER3 | 28 CHANCE CV ASHEVILLE, NC 28806 | AFLAC | $14 | — | $14 | 1.05% |
| TERRI G MOOSE3 | 817 GRAMERCY ST WINSTON SALEM, NC 27104 | AFLAC | $4 | — | $4 | 0.30% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.23% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.08% |
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 | 6,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHEILD OF FLORIDA | 2,652 | $30.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 3,309 | $2.1M |
| Vision(2 contracts, 2 carriers) | COMPBENEFITS COMPANY | 2,723 | $661K |
| Life insurance(6 contracts, 6 carriers) | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | 2,506 | $1.1M |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 187 | $322K |
| Long-term disability(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 241 | $506K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 339 | $1.0M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 339 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,309 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.