| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 200 E RANDOLPH ST 10TH FLOOR CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 3.03% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DR STE 1100 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 7.62% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $32K | — | $32K | 9.13% |
| COMBINED INSURANCE SERVICES3 | 2704 N12TH AVE PENSACOLA, FL 32503 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $22K | — | $22K | 6.45% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $53 | $49K | 16.67% |
| COMBINED INSURANCE SERVICES3 | 1403 E BELMONT STREET PENSACOLA, FL 32501 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.17% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $294 | $294 | 0.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $53 | $26K | 16.82% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1403 E BELMONT STREET PENSACOLA, FL 32501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $155 | $155 | 0.10% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $53 | $25K | 16.61% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES INC | 1403 E BELMONT STREET PENSACOLA, FL 32501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $149 | $149 | 0.10% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.95% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.52% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 0.79% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $315 | — | $315 | 0.73% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $292 | — | $292 | 0.68% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | — | $210 | 0.49% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.23% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.18% |
| EMTT INC3 Filed as: EMTT INC CO TAYLOR INSURANCE SERVI | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| JARRELL TIMOTHY G3 | 200 OLD WINSTON RD SUITE 101 HIGH POINT, NC 27265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.06% |
| GAHAGAN TERRY L3 | 1070 TUNNEL ROAD BLDG 1 SUITE 20 ASHVILLVE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| GOLDFIELD IRA E3 | 2803 SCOTT MILL ESTATE DRIVE JACKSONVILLE, FL 32257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT STREET PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.92% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $687 | — | $687 | 1.65% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 0.70% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 0.64% |
| INFINGER FAYE3 | 3720 RABBIT RUN C PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 0.38% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.09% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DR CAANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| GAHAGAN TERRY L3 | 1070 TUNNEL RD BLDG 1 SUITE 20 ASHVILLE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| RAWSON, LAMAR HIXON3 Filed as: RAWSON LAMAR | 1542 HUNTERS CREEK DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| BILL SHYTLE AGENCY INC3 | 100 JULIAN LN STE 140 ARDEN, NC 28704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INS SVCS INC DBA TORGERSEN | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.77% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| SECKINGER DAVID E JR3 Filed as: SECKINGER,DAVID E JR | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 1.64% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 0.89% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 0.78% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | — | $223 | 0.54% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.45% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 0.30% |
| EMTT INC3 Filed as: EMTT INC C/O TAYLOR INSURANCE SERVI | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.17% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| RAWSON, LAMAR HIXON3 Filed as: RAWSON LAMAR HIXON | 1542 HUNTERS CREEK DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.08% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| HAWKINS BRIAN J3 | 1066 US HWY 331 SOUTH DEFUNIAK SPRINGS, FL 32435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| GOLDFIELD IRA E3 | 2803 SCOTT MILL ESTATES DRIVE JACKSONVILLE, FL 32257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $577 | — | $577 | 1.46% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $493 | — | $493 | 1.24% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.36% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.27% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.23% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.20% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HUTTO MICHAEL H3 | 6347 PICKNEY HILL ROAD TALLAHASSEE, FL 32312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HAWKINS BRIAN J3 | 1066 US HWY 331 SPUTH DEFUNIAK SPRINGS, FL 32435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $899 | — | $899 | 5.10% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | — | $626 | 3.55% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 1.58% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.60% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 0.58% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.58% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.36% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.27% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $563 | — | $563 | 5.27% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | — | $439 | 4.11% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 1.72% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 1.45% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 0.94% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.59% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.51% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE INC DBA TORGES | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 10.42% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 E KINGSFIELD ROAD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $339 | — | $339 | 10.39% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 4.45% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 3.49% |
| SECKINGER DAVID E JR3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 1.99% |
| DYESS GEORGE G3 | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 1.50% |
| SAPP CECILIA DAWN3 | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.23% |
| INFINGER FAYE3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.34% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING DVLPMNT INC | 110 LOGAN LANE STE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.31% |
| MCNEASE & ASSOC3 Filed as: MCNEASE AND ASSOC | PO BOX 36397 PENSACOLA, FL 32516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.21% |
| GAHAGAN TERRY L3 | 1070 TUNNEL ROAD BLDG 1 SUITE 20 ASHVILLE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| BILL SHYTLE AGENCY INC3 | 100 JULIAN LN STE 140 AREN, NC 28704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 6,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 1,880 | $35.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,381 | $2.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | 5,206 | $346K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,473 | $531K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $24K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $24K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 139 | $734K |
| Other(9 contracts, 3 carriers) | HEALTH OPTION INC | 640 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,206 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.