| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | — | QBE INSURANCE | $84K | $0 | $84K | 7.50% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $112 | $6K | 8.58% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.32% |
| CHRISTOPHER HIGGINS3 Filed as: CHRISTOPHER M HIGGENS | 2030 UMBRELLA TREE DR EDGEWATER, FL 32141 | AFLAC | $3K | $146 | $3K | 6.46% |
| INS OFFICE OF AMERICA INC3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | AFLAC | $940 | $0 | $940 | 2.08% |
| JEFFREY B HAWKINS3 | 3930 S NOVA RD STE 203B PORT ORANGE, FL 32127 | AFLAC | $849 | $34 | $883 | 1.95% |
| RONALD INFANTINO3 | 2680 TRILLIUM RDG UNIT 3210 THE VILLAGES, FL 32163 | AFLAC | $198 | $0 | $198 | 0.44% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $174 | $0 | $174 | 0.38% |
| JAMIE LYNN HAWKINS3 | PO BOX 730382 ORMOND BEACH, FL 32173 | AFLAC | $134 | $0 | $134 | 0.30% |
| A & A INS SERV INC3 | 3771 NW 87TH WAY CORAL SPRINGS, FL 33065 | AFLAC | $78 | $0 | $78 | 0.17% |
| JENNIE MOORE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $72 | $0 | $72 | 0.16% |
| LINDA M WALLACE-PESCHKA3 | 16748 E SMOKY HILL RD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $52 | $0 | $52 | 0.12% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $52 | $0 | $52 | 0.12% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $29 | $0 | $29 | 0.06% |
| JOHN PAUL THOMPSON II3 | 1543 TEDDINGTON ST DELAND, FL 32720 | AFLAC | $28 | $0 | $28 | 0.06% |
| BRIAN A INFANTINO3 | 38070 DAUGHTERY RD ZEPHYRHILLS, FL 33540 | AFLAC | $27 | $0 | $27 | 0.06% |
| AMY SUSANNE STEED3 Filed as: AMY E STRONG | 1004 JORDAN LN TEXARKANA, TX 75503 | AFLAC | $20 | $0 | $20 | 0.04% |
| MFK & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $20 | $0 | $20 | 0.04% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $18 | $0 | $18 | 0.04% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D HAWKINS BENEFITS INC | 3216 MEDICI BLVD NEW SMYRNA, FL 32168 | AFLAC | $14 | $0 | $14 | 0.03% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $14 | $0 | $14 | 0.03% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $10 | $0 | $10 | 0.02% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $8 | $0 | $8 | 0.02% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $8 | $0 | $8 | 0.02% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $7 | $0 | $7 | 0.02% |
| ROBERT L TRAPNELL JR3 | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $6 | $0 | $6 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $6 | $0 | $6 | 0.01% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $5 | $0 | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $4 | $0 | $4 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $3 | $0 | $3 | 0.01% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $3 | $0 | $3 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT 208 CHARLOTTE, NC 28269 | AFLAC | $2 | $0 | $2 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARK C LEE3 | 8229 FRANK HOUSER AVE COLUMBUS, GA 31909 | AFLAC | $2 | $0 | $2 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $2 | $0 | $2 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | $0 | $1 | 0.00% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | $0 | $1 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $1 | $0 | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.02% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.34% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $985 | $240 | $1K | 18.66% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $56K |
| Short-term disability | AFLAC | 42 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $36K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,612 | $1.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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.