| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | HEALTH FIRST HEALTH PLANS, INC | $33K | $0 | $33K | 5.00% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.73% |
| KENNETH R. HOWELL3 Filed as: KENNETH R HOWELL | 200 S MARCO WAY SATELLITE BEACH, FL 32937 | AFLAC | $325 | $0 | $325 | 3.15% |
| TRACY L REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $123 | $24 | $147 | 1.42% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AFLAC | $101 | $0 | $101 | 0.98% |
| JOHN ALEXANDER3 Filed as: JOHN J ALEXANDER | 1527 S ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $76 | $0 | $76 | 0.74% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $57 | $0 | $57 | 0.55% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DRIVE APT 705 COCOA, FL 32922 | AFLAC | $56 | $0 | $56 | 0.54% |
| SHERI KENNARD GAUL3 Filed as: SHERI K GAUL PA | 426 MYRTLEWOOD RD MELBOURNE, FL 32940 | AFLAC | $43 | $0 | $43 | 0.42% |
| TRACY LYNN BURKETT VELEZ3 | 4790 BLOSSOM DRIVE DELRAY BEACH, FL 33445 | AFLAC | $34 | $0 | $34 | 0.33% |
| PAGE G LEWIS3 | 416 CREE TRL PATRICK AIR FORCE BASE, FL 32925 | AFLAC | $22 | $0 | $22 | 0.21% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $22 | $0 | $22 | 0.21% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $13 | $5 | $18 | 0.17% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $15 | $0 | $15 | 0.15% |
| ASSURANCE AGENCY LTD3 Filed as: SELPH ASSURANCE GROUP LLC | 8006 SAN CARLOS DRIVE FORT PIERCE, FL 34951 | AFLAC | $6 | $5 | $11 | 0.11% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $10 | $0 | $10 | 0.10% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $9 | $0 | $9 | 0.09% |
| MARY WESTER3 Filed as: MARY WEBSTER | 1205 OLD PARSONAGE DRIVE MERRITT ISLAND, FL 32952 | AFLAC | $8 | $0 | $8 | 0.08% |
| LORI K VOGEL3 | 914 PALM BROOK DRIVE MELBOURNE, FL 32940 | AFLAC | $7 | $0 | $7 | 0.07% |
| ASSURANCE AGENCY LTD3 Filed as: SELPH ASSURANCE GROUP LLC | 212 CORINNE RD FORT PIERCE, FL 34945 | AFLAC | $6 | $0 | $6 | 0.06% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP CT ROCKLEDGE, FL 32955 | AFLAC | $5 | $0 | $5 | 0.05% |
| LUZ ELENA SERVI3 | 11398 CEDAR LOG CT LAS VEGAS, NV 89135 | AFLAC | $4 | $0 | $4 | 0.04% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | $0 | $4 | 0.04% |
| JILL HALVERSON3 Filed as: JILL ANNE HALVERSON | 3359 GARDENS EAST DRIVE APT A PALM BEACH GARDENS, FL 33410 | AFLAC | $4 | $0 | $4 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $4 | $0 | $4 | 0.04% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP COURT ROCKLEDGE, FL 32955 | AFLAC | $3 | $0 | $3 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $3 | $0 | $3 | 0.03% |
| LORI K VOGEL3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $3 | $0 | $3 | 0.03% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $2 | $0 | $2 | 0.02% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $2 | $0 | $2 | 0.02% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $2 | $0 | $2 | 0.02% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $2 | $0 | $2 | 0.02% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET STE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | $0 | $2 | 0.02% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $1 | $0 | $1 | 0.01% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY CT CASSELBERRY, FL 32707 | AFLAC | $1 | $0 | $1 | 0.01% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $1 | $0 | $1 | 0.01% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $1 | $0 | $1 | 0.01% |
| OMAR S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | $0 | $1 | 0.01% |
| SARAH CADY3 | 123 STONE GABLE CIRCLE WINTER SPRINGS, FL 32708 | AFLAC | $0 | $0 | $0 | 0.00% |
| JENNIE MOORE HAWKINS3 | 3930 S NOVA RD STE 201 PORT ORANGE, FL 32127 | AFLAC | $0 | $0 | $0 | 0.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | SUNLIFE ASSURANCE COMPANY OF CANADA | $419 | $0 | $419 | 9.71% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE | $264 | — | $264 | 7.39% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE | $82 | $0 | $82 | 2.29% |
| TOMORROWS SOLUTION INC3 | 2841 NE 55TH PLACE FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE | $65 | $0 | $65 | 1.82% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE | $55 | $0 | $55 | 1.54% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE | $22 | $0 | $22 | 0.62% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH FIRST HEALTH PLANS, INC | 135 | $658K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 107 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $51K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 26 | $14K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 24 | $4K |
| Prescription drug | HEALTH FIRST HEALTH PLANS, INC | 135 | $658K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.