| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INS & FINANCIAL SVCS AN ALER3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 60603 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 1.34% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS, AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | STANDARD INSURANCE COMPANY | $3K | $664 | $3K | 6.14% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC DBA M E WILS | 300 WEST PLATT STREET SUITE 200 TAMPA, FL 33606 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.08% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS, AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | STANDARD INSURANCE COMPANY | $2K | $562 | $2K | 9.78% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC DBA M E WILS | 300 WEST PLATT STREET SUITE 200 TAMPA, FL 33606 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $714 | — | $714 | 3.35% |
| DAVID E SECKINGER JR3 Filed as: DAVID SECKINGER AND ASSOC LLC | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | — | $421 | 1.98% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $332 | — | $332 | 1.56% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 1.26% |
| SAPP CECILIA DAWN3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | — | $260 | 1.22% |
| SECKINGER DAVID E JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 1.02% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.78% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.39% |
| MALDONADO VINCENT3 | 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 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS, AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | STANDARD INSURANCE COMPANY | $1K | $463 | $2K | 10.06% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC DBA M E WILS | 300 WEST PLATT STREET SUITE 200 TAMPA, FL 33606 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.41% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $694 | — | $694 | 3.86% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $657 | — | $657 | 3.66% |
| DAVID E SECKINGER JR3 Filed as: DAVID SECKINGER AND ASSOC LLC | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $588 | — | $588 | 3.27% |
| SAPP CECILIA DAWN3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | — | $248 | 1.38% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 1.33% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | — | $237 | 1.32% |
| SECKINGER DAVID E JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 1.06% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.31% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS, AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | STANDARD INSURANCE COMPANY | $1K | $381 | $2K | 9.91% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC DBA M E WILS | 300 WEST PLATT STREET SUITE 200 TAMPA, FL 33606 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.54% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $527 | — | $527 | 4.09% |
| DAVID E SECKINGER JR3 Filed as: DAVID SECKINGER AND ASSOC LLC | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 2.25% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 2.05% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 1.12% |
| SAPP CECILIA DAWN3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.72% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.51% |
| GCG FINANCIAL LLC3 Filed as: BARNES INS & FIN SVCS, AN ALERA GRP | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | STANDARD INSURANCE COMPANY | $484 | $228 | $712 | 7.09% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC DBA W E WILS | 300 WEST PLATT STREET SUITE 200 TAMPA, FL 33606 | STANDARD INSURANCE COMPANY | $436 | — | $436 | 4.34% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | — | $271 | 3.13% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 3.09% |
| DAVID E SECKINGER JR3 Filed as: DAVID SECKINGER AND ASSOC LLC | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 2.45% |
| SECKINGER DAVID E JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 1.78% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 1.72% |
| SAPP CECILIA DAWN3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 1.33% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 1.13% |
| WALDEN CHARLES A3 Filed as: WALDEN CHARLES | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.35% |
| MALDONADO VINCENT3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| KINGDOM BENEFIT GROUP LLC3 | 2771 SPICEBUSH LOOP APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 30.83% |
| DAVID E SECKINGER JR3 Filed as: DAVID SECKINGER AND ASSOC LLC | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $868 | — | $868 | 19.81% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $848 | — | $848 | 19.35% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 8.42% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 104 | $558K |
| Dental | STANDARD INSURANCE COMPANY | 93 | $54K |
| Vision | STANDARD INSURANCE COMPANY | 83 | $10K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 135 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 26 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 45 | $16K |
| Other(6 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 135 | $90K |
| 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.