| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVENUE CLEARWATER, FL 33756 | AETNA LIFE INSURANCE CO | $316K | $0 | $316K | 0.78% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | METROPOLITAN LIFE INSURANCE COMPANY | $893K | $132K | $1.0M | 16.90% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $20 | $25K | 9.05% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $20 | $45K | 18.93% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $20 | $35K | 18.86% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | SAFEGUARD HEALTH PLANS INC, A FLORIDA CORPORATION | $26K | $6K | $32K | 17.74% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | SAFEGUARD HEALTH PLANS INC, A TEXAS CORPORATION | $10K | $2K | $12K | 17.66% |
| JAN HAMBY ALDAMUY3 | 417 137TH ST NE BRADENTON, FL 34212 | AFLAC | $124 | $0 | $124 | 1.49% |
| JOHN C RASCHELLA3 Filed as: JOHN B ROBINSON | 20269 MILLRUN DR ESTERO, FL 33928 | AFLAC | $120 | $0 | $120 | 1.44% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $93 | $0 | $93 | 1.11% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $60 | $0 | $60 | 0.72% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $38 | $0 | $38 | 0.46% |
| JAMIE LEESMAN3 Filed as: JAMIE CARLONE LEESMAN | 7933 HAMPTON LAKE DRIVE TAMPA, FL 33647 | AFLAC | $36 | $0 | $36 | 0.43% |
| KAREN D SHATTUCK3 | 1040 SOUSA CT SPARTANBURG, SC 29307 | AFLAC | $30 | $0 | $30 | 0.36% |
| GRAVES INC3 | 5659 W HOLIDAY ST HOMOSASSA, FL 34446 | AFLAC | $26 | $0 | $26 | 0.31% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $25 | $0 | $25 | 0.30% |
| SHANNON HERNANDEZ3 | PO BOX 203 BROOKSVILLE, FL 34605 | AFLAC | $22 | $0 | $22 | 0.26% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $20 | $0 | $20 | 0.24% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $17 | $0 | $17 | 0.20% |
| BRYON L GROVE3 | 494 ORANGE ST STE 500 PALM HARBOR, FL 34683 | AFLAC | $16 | $0 | $16 | 0.19% |
| MITCHELL KOGGE3 | 5732 TORTOISE PL APOLLO BEACH, FL 33572 | AFLAC | $15 | $0 | $15 | 0.18% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $13 | $0 | $13 | 0.16% |
| KATHLEEN JOICE HARKNESS3 | 140 WYNCHASE DR JACKSON, TN 38305 | AFLAC | $12 | $0 | $12 | 0.14% |
| JULIE C TRULUCK INC3 | 8721 CYPRESS RESERVE CIR ORLANDO, FL 32836 | AFLAC | $11 | $0 | $11 | 0.13% |
| J W GRIMES INC3 | 8033 SPLENDOR WAY COLUMBUS, GA 31904 | AFLAC | $7 | $0 | $7 | 0.08% |
| PATRICIA A HOLMES3 | 7001 142ND AVE LOT 150 LARGO, FL 33771 | AFLAC | $7 | $0 | $7 | 0.08% |
| FRANCIS V CRUZ3 | P.O. BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $4 | $0 | $4 | 0.05% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $4 | $0 | $4 | 0.05% |
| DEBORAH RADFORD3 | 10270 SE 179TH PL SUMMERFIELD, FL 34491 | AFLAC | $4 | $0 | $4 | 0.05% |
| TANYA L WINCHESTER3 Filed as: TANYA L RUHL | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $4 | $0 | $4 | 0.05% |
| HORACE R WEAVER III3 | 2512 GARDEN ST MERAUX, LA 70075 | AFLAC | $3 | $0 | $3 | 0.04% |
| TANYA L WINCHESTER3 | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $2 | $0 | $2 | 0.02% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $2 | $0 | $2 | 0.02% |
| ELLEN D JAMES3 | 5110 TARI STREAM WAY BRANDON, FL 33511 | AFLAC | $2 | $0 | $2 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $1 | $0 | $1 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | $0 | $1 | 0.01% |
| KIMBERLY DIAN CROCKETT3 | 172 WALKING STICK DR ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 0.01% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | SAFEGUARD HEALTH PLANS INC, A CALIFORNIA CORPORATION | $314 | $67 | $381 | 14.91% |
| MACKO MARK3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | $0 | $77 | 4.26% |
| FRANKCRUM INSURANCE AGENCY INC3 | 100 SOUTH MISSOURI AVE CLEARWATER, FL 33756 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 3.32% |
| ENROLLMENT FIRST INC3 Filed as: ENROLLMENT FIRST | 237 GORE RD KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 1.27% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANKCRUM INSURANCE AGENCY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 100 SOUTH MISSOURI AVENUE CLEARWATER, FL 33756 | $1.5M |
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 | 4,067 | 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) | 4,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 11,595 | $41.4M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,188 | $6.3M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,188 | $6.1M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,188 | $6.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,188 | $6.1M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,188 | $6.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,188 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,595 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.