| 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 | $34K | — | $34K | 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 | $6K | — | $6K | 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 | $4K | — | $4K | 5.96% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $627 | — | $627 | 4.26% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $338 | — | $338 | 2.30% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $261 | — | $261 | 1.77% |
| MCDONALD MICHAEL3 | 71111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $146 | — | $146 | 0.99% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $116 | — | $116 | 0.79% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.69% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.69% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.41% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $795 | — | $795 | 5.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | USABLE LIFE | $1K | — | $1K | 11.98% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $107 | — | $107 | 1.04% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.59% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | — | $337 | 3.79% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 3.57% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 1.33% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.80% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.65% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.49% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.42% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.19% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $778 | — | $778 | 10.59% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $631 | — | $631 | 8.59% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | — | $443 | 6.03% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.52% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.37% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.20% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.14% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.88% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.42% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.34% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.31% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.26% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $442 | — | $442 | 7.11% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 2.17% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 2.11% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 1.93% |
| DURRENCH JAMIE LYNN3 | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.87% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.23% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | — | $247 | 6.87% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 6.64% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 4.31% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 1.67% |
| GLOWACKI MICHELLE3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.39% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.39% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.44% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.42% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.17% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 3.07% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.47% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.26% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.84% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.77% |
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 | 143 | 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) | 143 | 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 | 81 | $792K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 96 | $63K |
| Vision | STANDARD INSURANCE COMPANY | 81 | $14K |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE | 136 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 81 | $792K |
| Other(8 contracts, 3 carriers) | AMERICAN HERITGE LIFE INSURANCE COMPANY | 136 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.