| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | UNITED HEALTHCARE SERVICES, INC. | $15K | — | $15K | 2.15% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD, 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 17.43% |
| CHRISTOPHER HIGGINS3 | 2030 UMBRELLA TREE DRIVE EDGEWATER, FL 32141 | AFLAC | $2K | $207 | $2K | 6.04% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD, 434 LONGWOOD, FL 37250 | AFLAC | $843 | — | $843 | 2.29% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY HAWKINS | 244 S WOODLAND BLVD, STE B DELAND, FL 32720 | AFLAC | $500 | $41 | $541 | 1.47% |
| JAMIE LYNN HAWKINS3 Filed as: JAMIE HAWKINS | 244 S WOODLAND BLVD DELAND, FL 32720 | AFLAC | $368 | $41 | $409 | 1.11% |
| KRISTO GOODELL3 | 10017 E MOUNTAINVIEW RD SCOTTSDALE, AZ 85258 | AFLAC | $232 | $64 | $296 | 0.80% |
| RONALD INFANTINO3 | 2680 TRILLIUM RDG, UNIT 3210 THE VILLAGES, FL 32163 | AFLAC | $257 | — | $257 | 0.70% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $183 | — | $183 | 0.50% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PKWY SE ATLANTA, GA 30339 | AFLAC | $145 | — | $145 | 0.39% |
| RYAN KADAVY3 | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $112 | $13 | $125 | 0.34% |
| LINDA M WALLACE-PESCHKA3 Filed as: LINDA PESCHKA | 16748 E SMOKY HILL RD, 9C CENTENNIAL, CO 80015 | AFLAC | $104 | — | $104 | 0.28% |
| JAMIE LYNN HAWKINS3 | PO BOX 730382 ORMOND BEACH, FL 32173 | AFLAC | $84 | — | $84 | 0.23% |
| ASHLEY CROOK3 | 3187 ESSEX PLACE DRIVE MOBILE, AL 36695 | AFLAC | $59 | — | $59 | 0.16% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON & ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $34 | — | $34 | 0.09% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD, 434 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $3K | $1K | $4K | 14.28% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD, 434 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $2K | $1K | $3K | 14.10% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD, 434 LONGWOOD, FL 32750 | MUTUAL OF OMAHA | $693 | $206 | $899 | 19.46% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES, INC. | 95 | $703K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $42K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA | 115 | $34K |
| Long-term disability | MUTUAL OF OMAHA | 59 | $25K |
| Other(3 contracts, 2 carriers) | AFLAC | 115 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.