| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1001 BRICKWELL BAY DR MIAMI, FL 33131 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 | 1001 BRICKWELL BAY DR MIAMI, FL 33131 | HEALTH OPTIONS, INC | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 10TH FLOOR CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 3.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $147K | $25K | $172K | 14.41% |
| AON CONSULTING INC3 Filed as: AON HEWITT - MIAMI, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $44K | — | $44K | 12.64% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $207 | $23K | 8.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $106 | $13K | 8.49% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $136 | $12K | 8.36% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $55 | $55 | 0.14% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $387 | — | $387 | 1.35% |
| CHARLES A WALDEN3 | 950 E KINGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $325 | — | $325 | 1.13% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 0.37% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.27% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.21% |
| CECILIA DAWN SAPP3 Filed as: CECILIA DAWNN SAPP | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.18% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| BRIAN J HAWKINS3 | 1066 US HWY 331 SOUTH DEFUNIAK SPRINGS, FL 32435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL H HUTTO3 | 6347 PICKNEY HILL ROAD TALLAHASSEE, FL 32312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CECILIA DAWN SAPP3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 E KINSGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COMBINED INS SERVICES INC3 Filed as: COMBINED INS SERVICES | 1403 BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| CHARLES A WALDEN3 | 950 E KINGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $781 | — | $781 | 2.95% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $445 | — | $445 | 1.68% |
| CECILIA DAWN SAPP3 Filed as: CECILIA DAWNN SAPP | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.75% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 0.64% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 0.49% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.40% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.14% |
| BILL SHYTLE AGENCY INC3 Filed as: BILL SHYTLE AGENCY, INC | 1987 HENDERSONVILLE RD STE E ASHEVILLE, NC 28803 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| TERRY L GAHAGAN3 Filed as: TERRY GAHAGAN | 1070 TUNNEL RD BLDG 1 SUITE 20 ASHEVILLE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.92% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 E KINGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 2.60% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $472 | — | $472 | 1.82% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 1.08% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $209 | — | $209 | 0.81% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.43% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.38% |
| FAYE INFINGER3 | 3720 RABBITT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.26% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.13% |
| EMTT INC3 Filed as: EMTT, INC | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.12% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| BRIAN J HAWKINS3 Filed as: BRIAN HAWKINS J | 1066 US HWY 331 SOUTH DEFUNIAK SPRINGS, FL 32435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| LAMAR HIXON RAWSON3 | 1542 HUNTERS CREEK DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| IRA E GOLDFIELD3 Filed as: IRA GOLDFIELD E | 2803 SCOTT MILL ESTATES DRIVE JACKSONVILLE, FL 32257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| CHARLES A WALDEN3 | 950 E KINGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $895 | — | $895 | 3.52% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $892 | — | $892 | 3.51% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 0.76% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSAOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 0.60% |
| CECILIA DAWN SAPP3 Filed as: CECILIA DAWNN SAPP | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.50% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.41% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.21% |
| EMTT INC3 Filed as: EMTT, INC | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| QCAIS INC3 | 200 OLD WINSTON RD SUITE 101 HIGH POINT, NC 27265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| TERRY L GAHAGAN3 Filed as: TERRY GAHAGAN | 1070 TUNNEL RD BLDG 1 SUITE 20 ASHEVILLE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| IRA E GOLDFIELD3 | 2803 SCOTT MILL ESTATE DRIVE JACKSONVILLE, FL 32257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 0.99% |
| CHARLES A WALDEN3 | 950 E KINGFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | — | $179 | 0.90% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.44% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.44% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.43% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.19% |
| CECILIA DAWN SAPP3 Filed as: CECILIA DAWNN SAPP | 1117 N 9TH AVE PENSACOAL, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.10% |
| BILL SHYTLE AGENCY INC3 | 1987 HENDERSONVILLE RD STE E ASHEVILLE, NC 28803 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| TERRY L GAHAGAN3 Filed as: TERRY GAHAGAN | 1070 TUNNEL RD SUITE 1 SUITE 20 ASHEVILLE, NC 28805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $535 | — | $535 | 5.91% |
| CHARLES A WALDEN3 | 950 E KINGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $326 | — | $326 | 3.60% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 1.24% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.97% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.81% |
| CECILIA DAWN SAPP3 Filed as: CECILIA DAWNN SAPP | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.55% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.54% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| CHARLES A WALDEN3 | 950 E KINGSFIELD RD CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | — | $328 | 5.19% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINED INSURANCE SERVICES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | — | $260 | 4.11% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 1.90% |
| GEORGE G DYESS3 Filed as: GEORGE DYESS | 2577 SOUTHERN OAKS DR CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 1.20% |
| DAVID E SECKINGER JR3 | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 1.04% |
| CECILIA DAWN SAPP3 Filed as: CECILIA DAWNN SAPP | 1117 N 9TH AVE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.51% |
| FAYE INFINGER3 | 3720 RABBIT RUN CT PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 4,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,513 | $108.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,660 | $2.1M |
| Vision | EYEMED VISION CARE | 5,152 | $345K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,263 | $1.2M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,263 | $1.3M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,263 | $1.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 71 | $78.8M |
| Other(10 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,263 | $106.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.