| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | — | QBE INSURANCE | $23K | $0 | $23K | 7.50% |
| CHRISTOPHER HIGGINS3 Filed as: CHRISTOPHER M HIGGINS | 2030 UMBRELLA TREE DR EDGEWATER, FL 32141 | AFLAC | $400 | $86 | $486 | 5.02% |
| JEFFREY B HAWKINS3 | 3930 S NOVA RD STE 203B PORT ORANGE, FL 32127 | AFLAC | $149 | $20 | $169 | 1.75% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | AFLAC | $150 | $0 | $150 | 1.55% |
| RONALD INFANTINO3 | 37547 CHURCH AVE DADE CITY, FL 33525 | AFLAC | $47 | $0 | $47 | 0.49% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $42 | $0 | $42 | 0.43% |
| JAMIE LYNN HAWKINS3 | PO BOX 730382 ORMOND BEACH, FL 32173 | AFLAC | $27 | $0 | $27 | 0.28% |
| A & A INS SERV INC3 | 3771 NW 87TH WAY CORAL GABLES, FL 33065 | AFLAC | $20 | $0 | $20 | 0.21% |
| JENNIE MOORE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $20 | $0 | $20 | 0.21% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $13 | $0 | $13 | 0.13% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $7 | $0 | $7 | 0.07% |
| AMY SUSANNE STEED3 Filed as: AMY E STRONG | 1004 JORDAN LN TEXARKANA, TX 75503 | AFLAC | $5 | $0 | $5 | 0.05% |
| MFK & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $5 | $0 | $5 | 0.05% |
| J W GRIMES INC3 | 6201 RIVER RD APT 1305 COLUMBUS, GA 31904 | AFLAC | $5 | $0 | $5 | 0.05% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D HAWKINS BENEFITS INC | 3216 MEDICI BLVD NEW SMYRNA, FL 32168 | AFLAC | $4 | $0 | $4 | 0.04% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $4 | $0 | $4 | 0.04% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $3 | $0 | $3 | 0.03% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $2 | $0 | $2 | 0.02% |
| ROBERT L TRAPNELL JR3 | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $2 | $0 | $2 | 0.02% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $1 | $0 | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | $0 | $1 | 0.01% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 29.50% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | METROPOLITAN LIFE INSURANCE COMPANY | $400 | $0 | $400 | 10.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | $0 | $254 | 6.69% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $6K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $15K |
| Short-term disability | AFLAC | 35 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $9K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 403 | $301K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.