| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE, INC. | 730 EAST STRAWBRIDGE AVENUE MELBOURNE, FL 32901 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| CRISTY M MCCULLOUGH3 Filed as: CRISTY MCCULLOUGH AND OTHER AGENTS | 6460 BORASCO DRIVE, APARTMENT 2901 MELBOURNE, FL 32940 | AFLAC | $911 | $6 | $917 | 6.87% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $733 | $28 | $761 | 5.70% |
| KELLY MORGAN CONWAY3 | 23508 OAKSIDE BOULEVARD LUTZ, FL 33027 | AFLAC | $320 | $0 | $320 | 2.40% |
| ANDREA M MASLINE3 | 730 EAST STRAWBRIDGE AVENUE SUITE 101 MELBOURNE, FL 32901 | AFLAC | $316 | $0 | $316 | 2.37% |
| CINDY M WOOTEN3 Filed as: CINDY M. WOOTEN | 730 EAST STRAWBRIDGE AVENUE SUITE 101 MELBOURNE, FL 32901 | AFLAC | $316 | $0 | $316 | 2.37% |
| KENNETH R. HOWELL3 | 1233 HAILEY STREET MELBOURNE, FL 32904 | AFLAC | $273 | $0 | $273 | 2.04% |
| KEYSTONE BENEFIT GROUP3 | 10175 FORTUNE PARKWAY, SUITE 303 JACKSONVILLE, FL 32256 | AFLAC | $81 | $0 | $81 | 0.61% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH FIRST HEALTH PLAN | 135 | $0 |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 114 | $64K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 114 | $64K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 114 | $64K |
| Short-term disability | AFLAC | 36 | $13K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 114 | $64K |
| Prescription drug | HEALTH FIRST HEALTH PLAN | 135 | $0 |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 114 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.