| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $79K | $0 | $79K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | $13K | $73K | 15.36% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 4.71% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L TRAPNELL JR & OTHER AGENTS | 1656 GRAND ISLE BOULEVARD MELBOURNE, FL 32940 | AFLAC | $280 | $0 | $280 | 4.14% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M. HAWKINS, INC. | 4215 SOUTH RIDGEWOOD AVENUE SUITE 104 PORT ORANGE, FL 32127 | AFLAC | $75 | $0 | $75 | 1.11% |
| JEREMY C ALFORD3 Filed as: JEREMY C. ALFORD | 2606 NW 19TH WAY GAINESVILLE, FL 32605 | AFLAC | $60 | $0 | $60 | 0.89% |
| SCOTT D HAWKINS INC3 Filed as: SCOTT D. HAWKINS BENEFITS, INC. | 3216 MEDICI BOULEVARD NEW SMYRNA, FL 32168 | AFLAC | $54 | $0 | $54 | 0.80% |
| DEBORA K SCHMELTZ3 Filed as: DEBORA K. SCHMELTZ | 1881 BAYVIEW DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $53 | $0 | $53 | 0.78% |
| SABRINA HASKELL3 | 109 DEMOTTE AVENUE PORT ORANGE, FL 32127 | AFLAC | $45 | $0 | $45 | 0.67% |
| JEREMY M HASKELL3 Filed as: JEREMY M. HASKELL | 109 DEMOTTE AVENUE PORT ORANGE, FL 32127 | AFLAC | $42 | $0 | $42 | 0.62% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 170 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $475K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $475K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $475K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $475K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $475K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 170 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.