| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J YOUNG3 Filed as: STEPHEN J. YOUNG | 490 NW WOODLANDS TERRACE LAKE CITY, FL 32055 | AFLAC | $14K | $809 | $15K | 5.64% |
| TAMMY SUZETTE SHIPP3 | 14341 NW 78TH AVENUE TRENTON, FL 32693 | AFLAC | $7K | $506 | $7K | 2.79% |
| SETH TYLER BURNETT & OTHERS3 | P O BOX 2304 CROSS CITY, FL 32628 | AFLAC | $6K | $450 | $6K | 2.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2701 NORTH ROCKY POINT DRIVE SUITE 960 TAMPA, FL 33607 | AFLAC | $6K | $0 | $6K | 2.40% |
| DEANNA M REWIS-MCDUFFIE3 Filed as: DEANNA M. REWIS MCDUFFIE | 8012 US HIGHWAY 90 GLEN SAINT MARY, FL 32040 | AFLAC | $5K | $82 | $5K | 2.10% |
| JOSHUA T HILL3 Filed as: JOSHUA T. HILL | 365 NW 3RD STREET LAKE BUTLER, FL 32054 | AFLAC | $4K | $333 | $5K | 1.82% |
| ANGEL E HILL3 Filed as: ANGEL E. HILL | 365 NW 3RD STREET LAKE BUTLER, FL 32054 | AFLAC | $1K | $0 | $1K | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $0 | $24K | 12.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $111 | $5K | 2.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $306 | $306 | 0.18% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BCH, FL 33401 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 8.03% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 820 | $171K |
| Vision | HUMANA INSURANCE COMPANY | 242 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 384 | $190K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 384 | $190K |
| Other(2 contracts, 2 carriers) | AFLAC | 384 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
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.