| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | CIGNA | $128K | $35K | $163K | 24.26% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $11K | $3K | $14K | 12.92% |
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.47% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $943 | $943 | 1.39% |
| VERA I CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32202 | AFLAC | $2K | $139 | $2K | 5.93% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AFLAC | $948 | — | $948 | 2.79% |
| LUIS M HERNANDEZ-ROSADO Filed as: LUIS M HERNANDEZ ROSADO | 2190 SAINT MARTIN DR E JACKSONVILLE, FL 32246 | AFLAC | $576 | $26 | $602 | 1.77% |
| MICHAEL S WITHROW Filed as: MICHAEL SHANE WITHROW | 1396 BARRINGTON CIRCLE ST AUGUSTINE, FL 32092 | AFLAC | $328 | — | $328 | 0.97% |
| JIMMY D BOONE | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $269 | — | $269 | 0.79% |
| THE HORTON GROUP Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $222 | — | $222 | 0.65% |
| DAVID K MOBLEY | 3812 VALVERDE CIRCLE JACKSONVILLE, FL 32224 | AFLAC | $118 | — | $118 | 0.35% |
| THOMAS JAMES OLLER | 2410 SOUTHERN LINKS DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $80 | — | $80 | 0.24% |
| WANDA D CURINGTON | 1230 OAKLEY SEAVER DRIVE CLERMONT, FL 34711 | AFLAC | $79 | — | $79 | 0.23% |
| MARK A LINSNER | 1712 AUSTINE LANE ST AUGUSTINE, FL 32092 | AFLAC | $78 | — | $78 | 0.23% |
| DONNA DANIELLE SMITH | 249 BRICKYARD RD MIDDLEBURG, FL 32068 | AFLAC | $74 | — | $74 | 0.22% |
| JAMEY MILLER INC | 12942 193RD AVE E BONNEY LAKE, WA 98391 | AFLAC | $72 | — | $72 | 0.21% |
| MARK HANNAH | 3025 TOWNSEND BLVD JACKSONVILLE, FL 32277 | AFLAC | $71 | — | $71 | 0.21% |
| WHITNEY L MILLWOOD | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $44 | $26 | $70 | 0.21% |
| DAVID MARKS | 3011 CANEWOOD LANE BATON ROUGE, LA 70810 | AFLAC | $68 | — | $68 | 0.20% |
| J W GRIMES INC | 8033 SPLENDOR WAY COLUMBUS, GA 31904 | AFLAC | $61 | — | $61 | 0.18% |
| SALLY L PITTMAN | 9372 COXWELL LANE JACKSONVILLE, FL 32221 | AFLAC | $51 | — | $51 | 0.15% |
| GREGORY MICHAEL CRUICE | 11445 DRAKEWOOD COURT JACKSONVILLE, FL 32223 | AFLAC | $49 | — | $49 | 0.14% |
| DAVID ABOULAFIA Filed as: DAVID SCOTT ABOULAFIA | 1 SPENCER ST ST AUGUSTINE, FL 32084 | AFLAC | $35 | — | $35 | 0.10% |
| ASHLEY CROOK Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $34 | — | $34 | 0.10% |
| SARAH RUTH HAMMITT | 5715 LUELLA ST JACKSONVILLE, FL 32207 | AFLAC | $33 | — | $33 | 0.10% |
| DAVID C SWEIGARD Filed as: DAVID SWEIGARD | 2581 PELLICER ROAD ST AUGUSTINE, FL 32092 | AFLAC | $29 | — | $29 | 0.09% |
| BETH LUANNE KIMBROUGH Filed as: BETH LUANNE WALTER | 6750 N ANDREWS AVE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $27 | — | $27 | 0.08% |
| THOMPSON AND THOMPSON FINANCIAL INC | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $25 | — | $25 | 0.07% |
| TRACI R BATTEN | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $23 | — | $23 | 0.07% |
| TROY DANIEL DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $23 | — | $23 | 0.07% |
| ROBERT VICTOR WOERNER II Filed as: ROBERT VICTOR WOERNER | 5321 SHORE DRIVE ST AUGUSTINE, FL 32086 | AFLAC | $22 | — | $22 | 0.06% |
| MICHAEL J YOUNG Filed as: MICHAEL JASON YOUNG | 2600 ORANGE PICKER ROAD JACKSONVILLE, FL 32223 | AFLAC | $18 | — | $18 | 0.05% |
| LYNN M SPEARS | 928 COLLINSWOOD DR JACKSONVILLE, FL 32225 | AFLAC | $16 | — | $16 | 0.05% |
| SLR INSURANCE SOLUTIONS INC | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $14 | — | $14 | 0.04% |
| SHAWN K STEPHENS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $13 | — | $13 | 0.04% |
| JIMMY LEON JOHNSON | 411 WALNUT ST NUMBER 16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $13 | — | $13 | 0.04% |
| TRAVIS P LEBLANC | 1413 ODONNEL ROAD NEW IBERIA, LA 70560 | AFLAC | $12 | — | $12 | 0.04% |
| AARON R MOBLEY | 13576 PICARSA DRIVE JACKSONVILLE, FL 32225 | AFLAC | $11 | — | $11 | 0.03% |
| JAMES R MIRABELLI | 3683 W LAKE ESTATES DR DAVIE, FL 33328 | AFLAC | $8 | — | $8 | 0.02% |
| CECIL W POWELL & COMPANY Filed as: CECIL W POWELL & CO | 219 N NEWNAN ST FL 1 JACKSONVILLE, FL 32202 | AFLAC | $7 | — | $7 | 0.02% |
| MARK C LEE Filed as: MARK CHARLES LEE | 8229 FRANK HOUSER AVE COLUMBUS, GA 31909 | AFLAC | $6 | — | $6 | 0.02% |
| DICKERT INSURANCE SERVICES LLC | 103 LAUGHING GULL LANE CARRABELLE, FL 32322 | AFLAC | $5 | — | $5 | 0.01% |
| KEGAN NICOLE GONZALEZ | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $4 | — | $4 | 0.01% |
| DIANA LYNN BOONE | 3998 CONFEDERATE POINT ROAD JACKSONVILLE, FL 32210 | AFLAC | $3 | — | $3 | 0.01% |
| CECIL T SALMON | 27 RAMBLEWOOD DR PALM COAST, FL 32164 | AFLAC | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.01% |
| NANCY DERVAES | 5719 CARLA CT THE VILLAGES, FL 32163 | AFLAC | $2 | — | $2 | 0.01% |
| MARIE MICHELE HASKELL | PO BOX 440307 JACKSONVILLE, FL 32222 | AFLAC | $2 | — | $2 | 0.01% |
| OMAR S BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.01% |
| JAVIER L ORTIZ | 11900 BISCAYNE BLVD SUITE 400 MIAMI, FL 33181 | AFLAC | $2 | — | $2 | 0.01% |
| JOEY C ADAMS | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $2 | — | $2 | 0.01% |
| AARON ANTHONY | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT L TRAPNELL JR | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MORRIS | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY M SINTAY | 680 BLACKWELL BEND ALPRARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT P FERRONE | PO BOX 246 HAMILTON, GA 31811 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA | $2K | — | $2K | 8.58% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | HUMANA | — | $1K | $1K | 3.87% |
| THOMAS JAMES OLLER | 2410 SOUTHERN LINKS DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $142 | — | $142 | 3.29% |
| VERA I CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $141 | — | $141 | 3.27% |
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | AFLAC | $60 | — | $60 | 1.39% |
| JIMMY D BOONE | 12626 BAYPOINTE TER CORTEX, FL 34215 | AFLAC | $42 | — | $42 | 0.97% |
| DONNA DANIELLE SMITH | 249 BRICKYARD ROAD MIDDLEBURG, FL 32068 | AFLAC | $30 | — | $30 | 0.69% |
| CHRIS GUZEWICH | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $24 | — | $24 | 0.56% |
| LUIS M HERNANDEZ-ROSADO Filed as: LUIS M HERNANDEZ ROSADO | 2190 SAINT MARTIN DR E JACKSONVILLE, FL 32246 | AFLAC | $23 | — | $23 | 0.53% |
| ROBERT VICTOR WOERNER II Filed as: ROBERT VICTOR WOERNER | 5321 SHORE DRIVE ST AUGUSTINE, FL 32086 | AFLAC | $22 | — | $22 | 0.51% |
| MICHAEL S WITHROW Filed as: MICHAEL SHANE WITHROW | 1396 BARRINGTON CIRCLE ST AUGUSTINE, FL 32092 | AFLAC | $19 | — | $19 | 0.44% |
| JOEY C ADAMS | 317 NORHTEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $15 | — | $15 | 0.35% |
| MARK A LINSNER | 1712 AUSTIN LANE ST AUGUSTINE, FL 32092 | AFLAC | $14 | — | $14 | 0.32% |
| MICHAEL RAYMOND HIGGINS | 1003 DRAKEFEATHER DRIVE ORANGE PARK, FL 32065 | AFLAC | $13 | — | $13 | 0.30% |
| THE HORTON GROUP Filed as: R HORTON GRIFFIN JR | 610 BLACKSHEAR ST THOMASVILLE, GA 31792 | AFLAC | $7 | — | $7 | 0.16% |
| SLR INSURANCE SOLUTIONS INC | 179 PINE HAVEN DRIVE ST JOHNS, FL 32259 | AFLAC | $7 | — | $7 | 0.16% |
| MICHAEL J YOUNG Filed as: MICHAEL JASON YOUNG | 2600 ORANGE PICKER ROAD JACKSONVILLE, FL 32223 | AFLAC | $7 | — | $7 | 0.16% |
| TROY DANIEL DESLATTE | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $6 | — | $6 | 0.14% |
| DAVID K MOBLEY | 3612 VALVERDE CIRCLE JACKSONVILLE, FL 32224 | AFLAC | $4 | — | $4 | 0.09% |
| DICKERT INSURANCE SERVICES LLC | 103 LAUGHING GULL LANE CARRABELLE, FL 32322 | AFLAC | $3 | — | $3 | 0.07% |
| JIMMY LEON JOHNSON | 411 WALNUT ST NUMBER 16846 GREEN COVE SPRINGS, FL 32043 | AFLAC | $2 | — | $2 | 0.05% |
| ROBERT P FERRONE | PO BOX 246 HAMILTON, GA 31811 | AFLAC | $2 | — | $2 | 0.05% |
| J W GRIMES INC | 8033 SPLENDOR WAY COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.05% |
| AARON ANTHONY | 1700 FOUNTAIN COURT APT 1303 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.02% |
| JAMES (JAY) GRIMES Filed as: JAMES R HARRIS | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.02% |
| MARK C LEE Filed as: MARK CHARLES LEE | 8229 FRANK HOUSER AVE COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC. | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $327 | — | $327 | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $48 | $48 | 1.47% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 330 | $671K |
| Dental | GUARDIAN | 258 | $112K |
| Vision | HUMANA | 203 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $78K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $68K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.