| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC DBA SULLIVAN | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $88K | $88K | 5.36% |
| TAMMY S GARDNER3 Filed as: TAMMY GARDNER | PO BOX 912 CHIEFLAND, FL 32644 | AFLAC | $18K | $1K | $19K | 11.95% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON & ASSOCIATES INC. | 4623 NW 53RD AVENUE SUITE 1A GAINESVILLE, FL 32653 | AFLAC | $3K | $302 | $3K | 1.96% |
| BRANDON VASQUEZ3 | 723 SF 138TH AVENUE MICANOPY, FL 32667 | AFLAC | $1K | $9 | $1K | 0.93% |
| DEANNA CONNOR3 | 2339 NW 71ST STREET BELL, FL 32619 | AFLAC | $1K | $1 | $1K | 0.66% |
| SHANNON TROWBRIDGE3 | 126 CYPRESS VIEW ROAD GOOSE CREEK, SC 29445 | AFLAC | $512 | $169 | $681 | 0.43% |
| CYNTHIA WALKER3 | 25279 SW 22ND AVENUE NEWBERRY, FL 32669 | AFLAC | $627 | $40 | $667 | 0.42% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 258 SEAVIEW AVENUE DAYTONA BEACH, FL 32118 | AFLAC | $447 | — | $447 | 0.28% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | PO BOX 3274 OCALA, FL 34478 | AFLAC | $323 | $66 | $389 | 0.24% |
| JEREMY C ALFORD3 Filed as: JEREMY ALFORD | 11628 NW 9TH LANE GAINESVILLE, FL 32606 | AFLAC | $348 | — | $348 | 0.22% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC. | 1425 PIEDMONT DRIVE SUITE 1018 TALLAHASEE, FL 32308 | AFLAC | $316 | — | $316 | 0.20% |
| MICHELE HASKELL3 | PO BOX 3274 OCALA, FL 32222 | AFLAC | $220 | — | $220 | 0.14% |
| SABRINA HASKELL3 | PO BOX 3274 OCALA, FL 34478 | AFLAC | $217 | — | $217 | 0.14% |
| ROBIN LYNN STRICKLAND3 Filed as: ROBIN STRICKLAND | 2840 NE 46TH CIRCLE HIGH SPRINGS, FL 32643 | AFLAC | $171 | $10 | $181 | 0.11% |
| STEPHEN YOUNG3 | 490 NW WOODLANDS TERRACE LAKE CITY, FL 32055 | AFLAC | $174 | — | $174 | 0.11% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $169 | — | $169 | 0.11% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N. ANDREWS AVENUE SUITE 200 FT. LAUDERDALE, FL 33309 | AFLAC | $164 | — | $164 | 0.10% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 S. HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $150 | — | $150 | 0.09% |
| ROBIN HARMOTTO3 | 1744 HEATHERWOOD DRIVE SAINT JOHNS, FL 32259 | AFLAC | $133 | — | $133 | 0.08% |
| JOEY C ADAMS3 Filed as: JOEY ADAMS | PO BOX 729 OCALA, FL 34478 | AFLAC | $104 | — | $104 | 0.07% |
| DANIEL V ADAMS3 Filed as: DANIEL ADAMS | 3857 SCOTT CHURCH ROAD MARIANNA, FL 32448 | AFLAC | $94 | — | $94 | 0.06% |
| J C ADAMS INC3 Filed as: J C ADAMS | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $91 | — | $91 | 0.06% |
| JOHNNY C DINGESS3 Filed as: JOHNNY DINGESS | 122 SW MUSKET PLACE LAKE CITY, FL 32025 | AFLAC | $88 | — | $88 | 0.06% |
| JOEL TOIGO INSURANCE3 Filed as: JOEL TOIGO | 1603 CASTELLINA COURT EDMOND, OK 73034 | AFLAC | $64 | — | $64 | 0.04% |
| TORI SOMSAK3 | 12800 UNF DRIVE #4308 JACKSONVILLE, FL 32224 | AFLAC | $60 | — | $60 | 0.04% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS COURT APT 202 COLUMBUS, GA 31904 | AFLAC | $60 | — | $60 | 0.04% |
| KEVIN JOHNSON3 | 235 S. MAIN STREET GAINSEVILLE, FL 32601 | AFLAC | $60 | — | $60 | 0.04% |
| KEVIN J HACKETT3 Filed as: KEVIN HACKETT | 8039 SW 67TH ROAD GAINESVILLE, FL 32608 | AFLAC | $30 | $29 | $59 | 0.04% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVENUE ST. AUGUSTINE, FL 32084 | AFLAC | $54 | — | $54 | 0.03% |
| MARK LINSER3 | 153 BLANDING BLVD. SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $44 | — | $44 | 0.03% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SW MIZNER BLVD. APT 843 BOCA RATON, FL 33432 | AFLAC | $40 | — | $40 | 0.03% |
| EDWIN KURTZ3 | 567 SW TULAROSA LANE LAKE CITY, FL 32025 | AFLAC | $39 | — | $39 | 0.02% |
| WILLIAM ZACHOW0 | 5200 NW 43RD STREET SUITE 102-523 GAINESVILLE, FL 32606 | AFLAC | $38 | — | $38 | 0.02% |
| CRYSTAL BUSH3 | 11354 NE HIGHWAY 349 OLD TOWN, FL 32680 | AFLAC | $37 | — | $37 | 0.02% |
| JOSHUA HILL3 | 520 E FORT KING STREET SUITE 84 OCALA, FL 34471 | AFLAC | $24 | $6 | $30 | 0.02% |
| ANGEL E HILL3 Filed as: ANGEL HILL | 520 E FORT KING STREET SUITE 84 OCALA, FL 34471 | AFLAC | $17 | $6 | $23 | 0.01% |
| CECIL SALMON3 | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC | $18 | — | $18 | 0.01% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 303 BRIDGEVILLE, PA 15017 | AFLAC | $16 | — | $16 | 0.01% |
| SEAN CRONER3 | 4533 SCENIC DRIVE ALQUIPPA, PA 15001 | AFLAC | $12 | — | $12 | 0.01% |
| REGINA BALLARD INC3 Filed as: REGINA BALLARD INC. | PO BOX 1844 INVERNESS, FL 34451 | AFLAC | $11 | — | $11 | 0.01% |
| COLLEEN DONOVAN3 | 10517 MISTFLOWER LANE TAMPA, FL 33647 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | PO BOX 904307 CHARLOTTE, NC 28290 | AFLAC | $10 | — | $10 | 0.01% |
| J W GRIMES INC3 Filed as: J W GRIMES INC. | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.01% |
| JAVIER LORENZO SOTO3 Filed as: JAVIER SOTO | 3636 KINGSHILL ROAD MOUNTAIN BRK, AL 35223 | AFLAC | $10 | — | $10 | 0.01% |
| BRADLEY BAHNSEN3 | 4831 SW 19TH WAY GAINESVILLE, FL 32608 | AFLAC | $9 | — | $9 | 0.01% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGARITA DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.01% |
| CORNELL INSURANCE SERVICES LLC3 | 4512 FARRAGUT ROAD BROOKLYN, NY 11203 | AFLAC | $8 | — | $8 | 0.01% |
| HEATHER BARTLEY3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $8 | — | $8 | 0.01% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $8 | — | $8 | 0.01% |
| DEEJAY WOODS3 | PO BOX 14003 TALLAHASSEE, FL 32317 | AFLAC | $7 | — | $7 | 0.00% |
| EVAN GERSON3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $6 | — | $6 | 0.00% |
| LINDSAY NORFLEET FICO3 Filed as: LINDSAY FICO | 1929 SW 247TH WAY NEWBERRY, FL 32669 | AFLAC | $6 | — | $6 | 0.00% |
| THOMAS A HOUSE0 Filed as: THOMAS HOUSE | 1089 HARMONY LANE SUITE 1104 CLERMONT, FL 34711 | AFLAC | $5 | — | $5 | 0.00% |
| DEEDIE E FEASTER3 Filed as: DEEDIE FEASTER | 125 SHELLY HINES LOOP MONROEVILLE, AL 36460 | AFLAC | $4 | — | $4 | 0.00% |
| AARON ANTHONY3 | 1700 FOUNTAIN COURT APT 1303 COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGLEN ROAD COLUMBUS, GA 31907 | AFLAC | $3 | — | $3 | 0.00% |
| GEORGE C WALLACE3 Filed as: GEORGE WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. OF TALLAHASSEE | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 32309 | AFLAC | $2 | — | $2 | 0.00% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD EUGENE WALLACE3 Filed as: RONALD WALLACE | PO BOX 1355 BAY MINETTE, FL 36507 | AFLAC | $1 | — | $1 | 0.00% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DRIVE BRANDON, FL 335114879 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.34% |
| REFINED BENEFITS DBA SULLIVAN3 | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $402 | $8K | 15.75% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 312 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $54K |
| Short-term disability | AFLAC | 177 | $159K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 312 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 219 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.