| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INSURANCE & FINANCIAL SERVIC3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $77K | — | $77K | 4.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INS & FINANCIAL SERVICES | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $104 | $5K | 2.75% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.20% |
| JASON A BRADY3 Filed as: JASON BRADY | 4127 OAK POINTE DRIVE GULF BREEZE, FL 32563 | AFLAC | $5K | $163 | $5K | 5.37% |
| JASON BRADY & ASSOCIATES, INC3 Filed as: JASON BRADY & ASSOCIATES INC | 4127 OAK POINTE DRIVE GULF BREEZE, FL 32563 | AFLAC | $1K | $17 | $2K | 1.61% |
| BRIAN ANDREWS3 | 5728 TAMARACK DRIVE PACE, FL 32571 | AFLAC | $1K | $49 | $1K | 1.34% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | — | $1K | 1.34% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BOULEVARD SUITE 12 PENSACOLA, FL 32504 | AFLAC | $895 | $33 | $928 | 1.00% |
| CAROL S JOSSERAND3 | 104 SANDTRAP ROAD #101 MIRAMAR BEACH, FL 32550 | AFLAC | $898 | — | $898 | 0.96% |
| EDDIE J TORRES3 | PO BOX 6309 MIRAMAR BEACH, FL 32550 | AFLAC | $699 | — | $699 | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 711 PENSACOLA, FL 32591 | AFLAC | $500 | — | $500 | 0.54% |
| JULIE A TOMS3 | 1047 WOODLORE CIRCLE GULF BREEZE, FL 32563 | AFLAC | $483 | — | $483 | 0.52% |
| SUMMER PRESLEY3 | 9045 BLUEBAY LANE PENSACOLA, FL 32506 | AFLAC | $210 | $83 | $293 | 0.31% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $180 | — | $180 | 0.19% |
| JULIANA SHORES3 Filed as: JULIANA E SHORES | 159 CALHOUN AVENUE DESTIN, FL 32541 | AFLAC | $127 | — | $127 | 0.14% |
| ERRICK SPRINGFIELD3 | 2305 BEATRICE DRIVE GRAND RAPIDS, MI 49505 | AFLAC | $110 | — | $110 | 0.12% |
| EDDIE J TORRES3 Filed as: EDDIE TORRES AND ASSOCIATES LLC | PO BOX 6309 MIRMAR BEACH, FL 32550 | AFLAC | $103 | — | $103 | 0.11% |
| KELLY L QUEEN3 | 91 ASH STREET SANTA ROSA BEACH, FL 32459 | AFLAC | $85 | — | $85 | 0.09% |
| PAMELA S FALATKO3 | 137 CANDLEWICK CIRCLE PANAMA CITY, FL 32405 | AFLAC | $52 | — | $52 | 0.06% |
| STEVEN VINCE NUTT3 | 1796 CONDOR DRIVE CANTONMENT, FL 32533 | AFLAC | $42 | — | $42 | 0.05% |
| CHARLES R WOLF JR3 | 1001 MAR WALT DRIVE APARTMENT 509 FORT WALTON BEACH, FL 32547 | AFLAC | $36 | — | $36 | 0.04% |
| PENNY M GALBREATH3 | 485 HARPER STREET JESUP, GA 31546 | AFLAC | $35 | — | $35 | 0.04% |
| DAVID A JACKSON3 | 2291 BLAIN STREET BRUNSWICK, GA 31520 | AFLAC | $27 | — | $27 | 0.03% |
| ANDREW R CARTER3 | 233 WINCHESTER LANE WEATHERFORD, TX 76085 | AFLAC | $25 | — | $25 | 0.03% |
| KATIE GRAY3 | 290 VININGS WAY BOULEVARD APARTMENT 6102 DESTIN, FL 32541 | AFLAC | $25 | — | $25 | 0.03% |
| MICHAEL K MALOY3 | 225 MARINA DRIVE ST. SIMONS ISLAND, GA 31522 | AFLAC | $15 | — | $15 | 0.02% |
| JOHN BECK3 Filed as: JOHN B WOOD | 1937 OAK AVENUE COLUMBUS, GA 31906 | AFLAC | $14 | — | $14 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $13 | — | $13 | 0.01% |
| BOYD HOLLEY INS AGENCY INC3 | PO BOX 306 HAMILTON, TX 76531 | AFLAC | $13 | — | $13 | 0.01% |
| JESSICA BRENN COALSON3 | PO BOX 571 HAMILTON, TX 76531 | AFLAC | $13 | — | $13 | 0.01% |
| LORI L BRADSHAW3 | 309 EDEN DRIVE APARTMENT 21 LONGVIEW, TX 75605 | AFLAC | $13 | — | $13 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $11 | — | $11 | 0.01% |
| THOMAS WAYNE HOPPER3 | 26789 AUGUSTINE DRIVE DAPHNE, AL 36526 | AFLAC | $10 | — | $10 | 0.01% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRAIL CAROLLTON, TX 75007 | AFLAC | $10 | — | $10 | 0.01% |
| DALE CARTER SR3 Filed as: DALE L CARTER SR | 6115 EDEN SQUARE CRESTVIEW, FL 32539 | AFLAC | $9 | — | $9 | 0.01% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E(GENE) DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $9 | — | $9 | 0.01% |
| RICHARD F SHOCKLEY3 | 9860 SOUTH THOMAS DRIVE UNIT 1501 PANAMA CITY, FL 32408 | AFLAC | $7 | — | $7 | 0.01% |
| CHRISTOPHER MOORE3 | 105 LATOUR WAYOAD GREENVILLE, SC 29651 | AFLAC | $7 | — | $7 | 0.01% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DRIVE ST SIMONS ISLAND, GA 31522 | AFLAC | $6 | — | $6 | 0.01% |
| BILLY DALE ELKINS3 | 1024 BOURLAND ROAD KELLER, TX 76248 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT L TRAPNELL JR3 | 19 NORTH INDIAN RIVER DRIVE APARTMENT 701 COCOA, FL 32922 | AFLAC | $4 | — | $4 | 0.00% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP | PO BOX 532017 ORLANDO, FL 32801 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN E HICKS3 | 188 FRONT STREET SUITE 116 39 FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT WEBB3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $2 | — | $2 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN JARRETT VENABLE3 | PO BOX 277 AURORA, MO 65605 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PARKWAY #2B MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN A BALENTINE3 | 1819 WHITE OAK DRIVE JOPLIN, MO 64801 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 316 OAK SPRINGS DRIVE DEBARY, FL 32713 | AFLAC | $1 | — | $1 | 0.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FINACIAL SERVICE | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 12.66% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE AND FINANCIAL | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.95% |
| BARNES INSURANCE & FINANCIAL SERVIC3 | 1582 AIRPORT BOULEVARD PENSACOLA, FL 32504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $770 | — | $770 | 15.00% |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 226 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 716 | $177K |
| Vision | HUMANA INSURANCE COMPANY | 193 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $177K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10 | $5K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $202K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.