| 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 | HEALTH OPTIONS, INC. | $35K | $0 | $35K | 3.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | HEALTH OPTIONS, INC. | $18K | $0 | $18K | 2.04% |
| UNKNOWN3 | UNKNOWN MELBOURNE, FL 32940 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 10.17% |
| CINDY M WOOTEN3 Filed as: CINDY M. WOOTEN | 730 EAST STRAWBRIDGE AVENUE SUITE 101 MELBOURNE, FL 32901 | AFLAC | $1K | $41 | $1K | 8.60% |
| KEYSTONE BEN GROUP AND OTHER AGENTS3 | 10175 FORTUNE PARKWAY, SUITE 303 JACKSONVILLE, FL 32256 | AFLAC | $525 | $9 | $534 | 4.12% |
| JOSEPH ALEX SIMPSON3 | 4378 HEATON PARK TRAIL ROCKLEDGE, FL 32955 | AFLAC | $277 | $0 | $277 | 2.14% |
| BONNETT AND ASSOCIATES LLC3 | 7 OAK STREET, SUITE 102 COCOA, FL 32922 | AFLAC | $195 | $9 | $204 | 1.57% |
| HAYLEY ALSEPT3 | 1781 HIGHLAND AVENUE, APARTMENT 4 MELBOURNE, FL 32935 | AFLAC | $118 | $0 | $118 | 0.91% |
| KENNETH R. HOWELL3 | 1233 HAILEY STREET MELBOURNE, FL 32904 | AFLAC | $101 | $0 | $101 | 0.78% |
| TRACY L REEVES3 Filed as: TRACY L. REEVES | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AFLAC | $82 | $0 | $82 | 0.63% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 125 | $871K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 202 | $230K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 202 | $230K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 202 | $230K |
| Short-term disability(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 202 | $243K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 202 | $230K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 125 | $871K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 202 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.