| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | HEALTH OPTIONS, INC | $5K | — | $5K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | FLORIDA COMBINED LIFE | $3K | — | $3K | 4.94% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $916 | — | $916 | 6.08% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 1.68% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | — | $245 | 1.63% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 1.45% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 0.98% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 0.91% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.40% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.23% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $786 | — | $786 | 5.63% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $449 | — | $449 | 3.22% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $378 | — | $378 | 2.71% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $246 | — | $246 | 1.76% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 1.03% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | STANDARD INSURANCE COMPANY | $917 | — | $917 | 7.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | FLORIDA COMBINED LIFE | $1K | — | $1K | 11.94% |
| FLORIDA BLUE3 Filed as: ACOSTA, JOSEPH FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $43 | — | $43 | 0.39% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $375 | — | $375 | 6.00% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 3.37% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAQSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 1.69% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 1.41% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 1.25% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.58% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 5.31% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 3.33% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 2.46% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.98% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.87% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.69% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD # 511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 8.86% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 2.46% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 2.32% |
| RAY DESTINY3 | 2820 ADMIRALS WALK ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 1.49% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 1.16% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.77% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | — | $236 | 8.56% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 2.76% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 1.85% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 1.56% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.45% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINTS JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.45% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.91% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.73% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 5.23% |
| RAY DESTINY3 | 2820 ADMIRALS WALK ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 2.58% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANCE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.89% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 1.74% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.36% |
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 | 111 | 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) | 111 | 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 | 84 | $834K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 93 | $59K |
| Vision | STANDARD INSURANCE COMPANY | 87 | $13K |
| Life insurance(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 156 | $29K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9 | $6K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 84 | $834K |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 156 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.