| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RAY GRIFFIN3 Filed as: STEVEN WESLEY COX | 2318 SAINT ANDREWS BLVD PANAMA CITY, FL 32405 | NORTHWESTN MUTUAL | $2K | $519 | $3K | 6.45% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN WESLEY COX | 2318 SAINT ANDREWS BLVD PANAMA CITY, FL 32405 | NORTHWESTN MUTUAL | $2K | $519 | $3K | 6.45% |
| THOMAS R VAUGHN3 | 108 PALAFOX PL PENSACOLA, FL 32502 | NORTHWESTN MUTUAL | $339 | $80 | $419 | 1.06% |
| WILLIAM S KOCH3 | 245 RIVERSIDE AVE STE 100 JACKSONVILLE, FL 32202 | NORTHWESTN MUTUAL | $302 | $26 | $328 | 0.83% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN WESLEY COX | 2318 SAINT ANDREWS BLVD PANAMA CITY, FL 32405 | NORTHWESTERN MUTUAL | $4K | $898 | $4K | 11.55% |
| THOMAS R VAUGHN3 | 108 PALAFOX PL PENSACOLA, FL 32502 | NORTHWESTERN MUTUAL | $587 | $139 | $726 | 1.90% |
| WILLIAM S KOCH3 | 245 RIVERSIDE AVE JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $522 | $46 | $568 | 1.48% |
| HANEY, TED I3 | 2217 ST ANDREWS BLVD PANAMA CITY, FL 32405 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 104 | $13K |
| Short-term disability | NORTHWESTN MUTUAL | 236 | $40K |
| Long-term disability | NORTHWESTERN MUTUAL | 236 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.