| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT GROUP LLC | 6885 BELFORT OAKS PLACE, SUITE 210 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $830 | $6K | 11.06% |
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE, INC. | 730 EAST STRAWBRIDGE AVENUE SUITE 101 MELBOURNE, FL 32901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $876 | $0 | $876 | 1.67% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL, JR. & OTHER AGENTS | 1656 GRAND ISLE BOULEVARD MELBOURNE, FL 32940 | AFLAC | $328 | $0 | $328 | 3.14% |
| KENNETH R. HOWELL3 | 1233 HAILEY STREET MELBOURNE, FL 32904 | AFLAC | $323 | $0 | $323 | 3.09% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $295 | $0 | $295 | 2.83% |
| KEYSTONE BENEFIT GROUP3 | 10175 FORTUNE PARKWAY, SUITE 303 JACKSONVILLE, FL 32256 | AFLAC | $224 | $0 | $224 | 2.15% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 9505 CHAD COLLEY BOULEVARD SUITE 303 FORT SMITH, AR 72916 | AFLAC | $91 | $0 | $91 | 0.87% |
| JOHN ALEXANDER3 Filed as: JOHN J. ALEXANDER | 1527 SOUTH ATLANTIC AVENUE APARTMENT 501 COCOA BEACH, FL 32931 | AFLAC | $76 | $0 | $76 | 0.73% |
| MICHAEL S WITHROW3 Filed as: MICHAEL S. WITHROW | 1264 US HIGHWAY 1, SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $57 | $0 | $57 | 0.55% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH FIRST HEALTH PLAN | 130 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $53K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 110 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $53K |
| Short-term disability | AFLAC | 32 | $10K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $53K |
| Prescription drug | HEALTH FIRST HEALTH PLAN | 130 | $0 |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.