| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 | 45 EGLIN PARKWAY NORTHEAST SUITE 202 FORT WALTON BEACH, FL 32548 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 4.51% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 45 EGLIN PARKWAY NORTHEAST SUITE 202 FORT WALTON BEACH, FL 32548 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 12.91% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.98% |
| M.E. WILSON COMPANY, LLC3 | 45 EGLIN PARKWAY NORTHEAST SUITE 202 FORT WALTON BEACH, FL 32548 | HEALTH OPTIONS | $3K | — | $3K | 3.72% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | — | $506 | 2.66% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $274 | — | $274 | 1.44% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FM 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | — | $220 | 1.16% |
| DAVID E SECKINGER JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | — | $187 | 0.98% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.63% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.50% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.48% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.36% |
| KEVIN O NEIL3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.23% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.12% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KINGDOM BENEFIT GROUP LLC3 | 2771 SPICEBUSH LOOP APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $462 | — | $462 | 2.85% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 1.49% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 1.08% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 1.00% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 0.90% |
| DAVID E SECKINGER JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.81% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.52% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.36% |
| KEVIN O NEIL3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.23% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.21% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | — | $373 | 3.73% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 1.62% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 1.19% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.90% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.35% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.28% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 1.73% |
| DAVID E SECKINGER JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 1.53% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 1.30% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 1.20% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.67% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.64% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.45% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.31% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.21% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FM 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| KINGDOM BENEFIT GROUP LLC3 | 2771 SPICEBUSH LOOP APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 2.60% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 2.09% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 1.92% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 1.62% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 1.04% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.15% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.15% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.15% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 58 | $571K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $112K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $117K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $112K |
| Prescription drug | HEALTH OPTIONS | 17 | $86K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.