| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TWIN RIVERS INSURANCE INC3 Filed as: TWIN RIVERS INSURANCE, INC. | 730 EAST STRAWBRIDGE AVENUE SUITE 101 MELBOURNE, FL 32901 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| KEYSTONE BEN GROUP AND OTHER AGENTS3 Filed as: KEYSTONE BEN. GROUP & OTHER AGENTS | 10175 FORTUNE PARKWAY, SUITE 303 JACKSONVILLE, FL 32256 | AFLAC | $738 | $69 | $807 | 4.34% |
| KELLY MORGAN CONWAY3 | 23508 OAKSIDE BOULEVARD LUTZ, FL 33559 | AFLAC | $676 | $36 | $712 | 3.83% |
| CINDY M WOOTEN3 Filed as: CINDY M. WOOTEN | 730 EAST STRAWBRIDGE AVENUE SUITE 101 MELBOURNE, FL 32901 | AFLAC | $454 | $36 | $490 | 2.63% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $297 | $72 | $369 | 1.98% |
| CRISTY M MCCULLOUGH3 Filed as: CRISTY M. MCCULLOUGH | 6460 BORASCO DRIVE, APARTMENT 2901 MELBOURNE, FL 32940 | AFLAC | $285 | $25 | $310 | 1.67% |
| KENNETH R. HOWELL3 | 1233 HAILEY STREET MELBOURNE, FL 32904 | AFLAC | $274 | $0 | $274 | 1.47% |
| D VICKERS & ASSOCIATES INC3 Filed as: D VICKERS & ASSOCIATES, INC. | 1037 PATHFINDER WAY, SUITE 130 ROCKLEDGE, FL 32955 | AFLAC | $171 | $25 | $196 | 1.05% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH FIRST HEALTH PLANS | 101 | $0 |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 101 | $60K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 101 | $60K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 101 | $60K |
| Short-term disability | AFLAC | 53 | $19K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 101 | $60K |
| Prescription drug | HEALTH FIRST HEALTH PLANS | 101 | $0 |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 101 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.