| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MWI GAINESVILLE3 | 3501 W UNIVERSITY AVE GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 4.00% |
| MWI GAINESVILLE3 Filed as: MWI GAINESVILLE INC. | 3501 WEST UNIVERSITY AVE. GAINESVILLE, FL 32607 | GUARDIAN | $18K | — | $18K | 14.14% |
| MWI GAINESVILLE3 | 3501 WEST UNIVERSITY AVENUE GAINESVILLE, FL 32607 | GUARDIAN | $9K | — | $9K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN | $4K | — | $4K | 5.00% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DRIVE TAMPA, FL 33609 | GUARDIAN | $1 | — | $1 | 0.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS INC. | 5426 BAY CENTER DRIVE TAMPA, FL 33609 | GUARDIAN | $1 | — | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 1224 PEACOCK AVENUE COLUMBUS, GA 31906 | AFLAC | $32K | $2 | $32K | 303.28% |
| NATHEN KOOI3 | 11208 W NATIONAL AVE APT. 207 WEST ALLIS, WI 53227 | AFLAC | $423 | — | $423 | 4.02% |
| JACK D BREES3 Filed as: JACK BREES | 2989 S WAUKESHA RD. WEST ALLIS, WI 53227 | AFLAC | $181 | — | $181 | 1.72% |
| JEREMY C ALFORD3 Filed as: JEREMY ALFORD | 2606 NW 19TH WAY GAINESVILLE, FL 32605 | AFLAC | $152 | — | $152 | 1.44% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT HAWKINS | 3216 MEDICI BLVD. NEW SMYRNA BEACH, FL 32168 | AFLAC | $101 | — | $101 | 0.96% |
| JENNIE HAWKINS3 | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | AFLAC | $91 | — | $91 | 0.86% |
| DEBORA K SCHMELTZ3 Filed as: DEBORA SCHMELTZ | 1881 BAYVIEW DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $74 | — | $74 | 0.70% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $61 | — | $61 | 0.58% |
| JOEY C ADAMS3 Filed as: JOEY ADAMS | 317 NORTHEAST 36TH AVE. STE. 6 OCALA, FL 34470 | AFLAC | $61 | — | $61 | 0.58% |
| JAY SCHMELTZ3 | 1881 BAYVIEW DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $56 | — | $56 | 0.53% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY HAWKINS | 244 S WOODLAND BLVD. STE B DELAND, FL 32720 | AFLAC | $51 | — | $51 | 0.48% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL | 15 N INDIAN RIVER DRIVE COCOA, FL 32922 | AFLAC | $44 | — | $44 | 0.42% |
| ANGEL E HILL3 Filed as: ANGEL HILL | 24921 NE 136TH LANE SALT SPRINGS, FL 32134 | AFLAC | $43 | — | $43 | 0.41% |
| J W GRIMES INC3 Filed as: J W GRIMES INC. | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $18 | — | $18 | 0.17% |
| SUZANNE STEINER3 | 16 TIFFANY CIRCLE ORMOND BEACH, FL 32174 | AFLAC | $16 | — | $16 | 0.15% |
| THE PAGE AGENCY3 | 500 NEW YORK AVENUE DELAND, FL 32724 | AFLAC | $16 | — | $16 | 0.15% |
| ASHLEY CROOK3 | 3187 ESSEX PLACE DRIVE MOBILLE, AL 36695 | AFLAC | $14 | — | $14 | 0.13% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP | 1425 PIEDMONT DRIVE E TALLAHASSEE, FL 32308 | AFLAC | $12 | — | $12 | 0.11% |
| LINDA HEALY3 | 107024 KENNEDY MEADOWS RD INYOKERN, CA 93527 | AFLAC | $10 | — | $10 | 0.10% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 103 LAUGHING GULL LANE CARRABELLE, FL 32322 | AFLAC | $10 | — | $10 | 0.10% |
| BELINDA SHORTS3 | 16 KENTWORTH CT TAYLORS, SC 32687 | AFLAC | $10 | — | $10 | 0.10% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE FORT LAUDERDALE, FL 33309 | AFLAC | $7 | — | $7 | 0.07% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 300 CAHABA PARK CIRCLE BIRMINGHAM, AL 35242 | AFLAC | $6 | — | $6 | 0.06% |
| SABRINA HASKELL3 | 430 RYDER CUP LANE CLEMMONS, NC 27012 | AFLAC | $4 | — | $4 | 0.04% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | 430 RYDER CUP LANE CLEMMONS, NC 27012 | AFLAC | $3 | — | $3 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $3 | — | $3 | 0.03% |
| MATTHEW SMITH3 | 8805 SW 9TH STREET RD. OCALA, FL 34481 | AFLAC | $3 | — | $3 | 0.03% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE. POMPANO BEACH, FL 33062 | AFLAC | $2 | — | $2 | 0.02% |
| JOEY C ADAMS3 Filed as: JOEY ADAMS | 317 NORTHEAST 36TH AVE. OCALA, FL 34470 | AFLAC | $1 | — | $1 | 0.01% |
| CECIL SALMON3 | 27 RAMBLEWOOD DRIVE PALM COAST, FL 32164 | AFLAC | $1 | — | $1 | 0.01% |
| JANINA CRAMPTON3 | 2388 E MCINTOSH RD GRIFFIN, GA 30223 | AFLAC | $1 | — | $1 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.01% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK LONGWOOD, FL 32750 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES HARRIS3 | 6329 RIVERMONT CT. COLUMBUS, GA 31904 | AFLAC | $0 | — | $0 | 0.00% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT. APT. 1303 COLUMBUS, GA 31904 | AFLAC | $0 | — | $0 | 0.00% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $0 | — | $0 | 0.00% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 21 HEARTWOOD DRIVE CATAULA, GA 31804 | AFLAC | $0 | — | $0 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS | 565 W GATEWAY CT MERRRITT ISLAND, FL 32952 | AFLAC | $0 | — | $0 | 0.00% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $0 | — | $0 | 0.00% |
| JIMMY LEON JOHNSON0 | 40 AVERY STREET ST. AUGUSTINE, FL 32084 | AFLAC | $0 | — | $0 | 0.00% |
| TAMMY SUZETTE SHIPP3 | P O BOX 1263 CROSS CITY, FL 32628 | AFLAC | $0 | — | $0 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER STREET WILMINGTON, NC 28401 | AFLAC | $0 | — | $0 | 0.00% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 179 | $1.4M |
| Dental | GUARDIAN | 130 | $89K |
| Vision | GUARDIAN | 130 | $89K |
| Life insurance | GUARDIAN | 222 | $127K |
| Long-term disability | GUARDIAN | 222 | $127K |
| Other | GUARDIAN | 130 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.