| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEARTLAND BENEFITS INC3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $15K | $127 | $15K | 9.38% |
| MJ INSURANCE3 Filed as: DIANA MARIE CASEY & VARIOUS AGENTS | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $5K | $25 | $5K | 2.75% |
| STEFAN E SCHULT3 | 4216 EILAND DRIVE SEBRING, FL 33875 | AFLAC | $2K | $16 | $2K | 1.13% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD, SUITE 210D ORLANDO, FL 32809 | AFLAC | $2K | $24 | $2K | 1.12% |
| ANNETTE MICHELLE OWENS3 | 243 EAST CENTER AVENUE SEBRING, FL 33870 | AFLAC | $2K | $0 | $2K | 0.99% |
| RHONDA R BUCKNER3 | 500 FOREST ROAD GADSDEN, AL 35901 | AFLAC | $1K | $25 | $1K | 0.87% |
| MICHELLE K WILLEY3 | 122 EAST MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $792 | $19 | $811 | 0.49% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | -$107 | $10K | 10.15% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $591 | $0 | $591 | 0.99% |
| HEARTLAND BENEFITS INC3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $2K | $0 | $2K | 8.70% |
| MJ INSURANCE3 Filed as: MICHELLE K WILLEY & VARIOUS AGENTS | 122 EAST MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $635 | $0 | $635 | 2.52% |
| ANNETTE MICHELLE OWENS3 | 243 EAST CENTER AVENUE SEBRING, FL 33870 | AFLAC | $324 | $15 | $339 | 1.35% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD, SUITE 210D ORLANDO, FL 32809 | AFLAC | $262 | $0 | $262 | 1.04% |
| STEFAN E SCHULT3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $224 | $0 | $224 | 0.89% |
| RHONDA R BUCKNER3 | 500 FOREST ROAD GADSDEN, AL 35901 | AFLAC | $170 | $0 | $170 | 0.67% |
| DIANA MARIE CASEY3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $87 | $0 | $87 | 0.35% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $101K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $101K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $59K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $59K |
| Other(4 contracts, 2 carriers) | AFLAC | 328 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.