| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE, LLC | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HEALTH OPTIONS, INC. | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 13.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $569 | $0 | $569 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | STANDARD INSURANCE COMPANY | $235 | $0 | $235 | 0.97% |
| WILLIAM H. MILLER3 | 2039 NW 111TH LOOP OCALA, FL 34475 | AFLAC | $663 | $17 | $680 | 3.11% |
| MJ INSURANCE3 Filed as: KATHRYN AXENTE AND VARIOUS AGENTS | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $463 | $8 | $471 | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | AFLAC | $325 | $0 | $325 | 1.49% |
| CHRISTY B. BRANHAM3 | 4066 ORIENT DRIVE HERNANDO BEACH, FL 34607 | AFLAC | $219 | $0 | $219 | 1.00% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVICES, INC. | 814 EAST SILVER SPRINGS BOULEVARD SUITE H OCALA, FL 34470 | AFLAC | $138 | $0 | $138 | 0.63% |
| DAVID WAYNE HARVEY3 | 3812 SW 22ND STREET OCALA, FL 34474 | AFLAC | $102 | $0 | $102 | 0.47% |
| DONALD HUDSON | 8010 NORTH CREEK WAY CITRUS SPRINGS, FL 34434 | AFLAC | $97 | $0 | $97 | 0.44% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 38 | $168K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $35K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $35K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 119 | $46K |
| Short-term disability | AFLAC | 43 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 38 | $168K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 119 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.