| 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 | $29K | — | $29K | 4.98% |
| 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 | $16K | — | $16K | 12.98% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $778 | — | $778 | 0.62% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 2.49% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 1.80% |
| CELIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | — | $250 | 1.20% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 1.15% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 1.08% |
| DAVID E SECKINGER JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 1.04% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 0.60% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.39% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| KINGDOM BENEFIT GROUP LLC3 | 2771 SPICEBUSH LOOP APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $512 | — | $512 | 2.82% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $485 | — | $485 | 2.67% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | — | $464 | 2.56% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 1.33% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.98% |
| DAVID E SECKINGER JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | — | $174 | 0.96% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 0.88% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.28% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $441 | — | $441 | 3.67% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | — | $247 | 2.06% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 1.47% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 0.95% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.74% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.53% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 1.98% |
| DAVID E SECKINGER JR3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 1.82% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 1.72% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 1.58% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 1.36% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES, AN | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.98% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.60% |
| CHARLES A WALDEN3 Filed as: CHARLES WALDEN | 950 EAST KINGSFIELD ROAD CANTOMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.34% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.17% |
| KINGDOM BENEFIT GROUP LLC3 | 2771 SPICEBUSH LOOP APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| STRAIGHT FORWARD INS SOLUTIONS3 | 4490 NORTH W STREET PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MATTHEW SAPP3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.87% |
| KEVIN O NEIL3 | 5890 WEST CAMBRIDGE WAY MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $756 | — | $756 | 10.72% |
| CECILIA DAWN SAPP3 Filed as: CECILIA D SAPP | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $361 | — | $361 | 5.12% |
| D&C BENEFIT SOLUTIONS LLC3 | 2526 REDFORD DRIVE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $278 | — | $278 | 3.94% |
| PATRICIAANNE SUGGS3 | 5321 YANCY DRIVE MILTON, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.38% |
| CHARLES F KIMBALL II3 | 13388 LILLIAN HIGHWAY PENSACOLA, FL 32506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| CECILIA DAWN SAPP3 | 1117 NORTH 9TH AVENUE PENSACOLA, FL 32501 | 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% |
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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $574K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $125K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $125K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $125K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.