| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN YOUNG3 | 490 NW WOODLANDS TERRACE LAKE CITY, FL 32005 | AFLAC | $16K | $397 | $16K | 6.85% |
| TAMMY SUZETTE SHIPP3 Filed as: TAMMY SHIP | 14341 NW 78TH AVENUE TRENTON, FL 32693 | AFLAC | $12K | $177 | $12K | 5.34% |
| TARA LYNN EDWARDS3 Filed as: TARA EDWARDS | 14552 144TH STREET LIVE OAK, FL 32060 | AFLAC | $5K | $0 | $5K | 2.02% |
| JOSHUA HILL3 | 24921 NE 136TH LANE FORT MCCOY, FL 32134 | AFLAC | $4K | $243 | $5K | 2.01% |
| MJ INSURANCE3 Filed as: REBECCA BONDS AND VARIOUS AGENTS | 28823 53RD DRIVE BRANFORD, FL 32008 | AFLAC | $4K | $2 | $4K | 1.69% |
| ANGEL E HILL3 Filed as: ANGEL HILL | 24921 NE 136TH LANE SALT SPRINGS, FL 32134 | AFLAC | $3K | $489 | $4K | 1.65% |
| JESSICA GODWIN3 | 16292 SW 64TH AVENUE STARKE, FL 32091 | AFLAC | $2K | $200 | $2K | 0.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, CA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 11.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.22% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 3.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $644 | $0 | $644 | 0.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $368 | $368 | 0.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, FL 30339 | HUMANA INSURANCE COMPANY | $1K | $1K | $3K | 12.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BEACH, FL 33401 | HUMANA INSURANCE COMPANY | $379 | — | $379 | 1.70% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 751 | $137K |
| Vision | HUMANA INSURANCE COMPANY | 235 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $162K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $162K |
| Other(2 contracts, 2 carriers) | AFLAC | 361 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.