| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF-WILLIAMS INSURANCE | 3501 WEST UNIVERSITY AVENUE SUITE A GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $80K | $0 | $80K | 4.49% |
| MWI GAINESVILLE3 Filed as: MWI GAINESVILLE INC | 3501 WEST UNIVERSITY AVENUE GAINESVILLE, FL 32607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 12.18% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.61% |
| MJ INSURANCE3 Filed as: DEBORA SCHMELTZ AND VARIOUS AGENTS | 1881 BAYVIEW DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $999 | $9 | $1K | 6.09% |
| JEREMY C ALFORD3 Filed as: JEREMY C. ALFORD | 2606 NW 19TH WAY GAINESVILLE, FL 32605 | AFLAC | $159 | $0 | $159 | 0.96% |
| NATHEN R KOOI3 Filed as: NATHEN R. KOOI | 11208 WEST NATIONAL AVENUE APARTMENT 207 WEST ALLIS, WI 53227 | AFLAC | $100 | $38 | $138 | 0.83% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D. HAWKINS INC | 3216 MEDICI BOULEVARD NEW SMYRNA, FL 32168 | AFLAC | $102 | $0 | $102 | 0.62% |
| SABRINA HASKELL3 | 430 RYDER CUP LANE CLEMMONS, NC 27012 | AFLAC | $90 | $0 | $90 | 0.54% |
| DAMON CHANDLER FICO3 | 520 POPLAR STREET, UNIT 209 MACON, GA 31201 | AFLAC | $87 | $0 | $87 | 0.53% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M. HAWKINS INC | 4215 SOUTH RIDGEWOOD AVENUE SUITE 104 PORT ORANGE, FL 32127 | AFLAC | $85 | $0 | $85 | 0.51% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 186 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $293K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $293K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $293K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $293K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $293K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 186 | $1.8M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $310K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.