| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FIN SVCS. INC. | 1582 AIRPORT BLVD. PENSACOLA, FL 32504 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 6.00% |
| HOLLY ADAMS BUTCHER3 | 600 UNIVERSITY OFFICE BLVD STE 12 PENSACOLA, FL 32504 | AFLAC | $3K | $316 | $3K | 8.93% |
| TRAVIS E. MCDONALD3 | 3639 TIGER POINT BLVD GULF BREEZE, FL 32563 | AFLAC | $2K | $174 | $2K | 6.46% |
| BRIAN ANDREWS3 | 5728 TAMARACK DRIVE PACE, FL 32571 | AFLAC | $809 | $83 | $892 | 2.33% |
| SAIC INC3 Filed as: SAIC, INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $748 | $83 | $831 | 2.17% |
| JOHN C POLLOCK3 Filed as: JOHN C. POLLOCK | 600 UNIVERSITY OFFICE BLVD. STE 12 PENSACOLA, FL 32504 | AFLAC | $630 | $0 | $630 | 1.65% |
| WILLIAM JOHN BUTCHER3 | 1616 MOONRAKER DRIVE MILTON, FL 32583 | AFLAC | $116 | $0 | $116 | 0.30% |
| DARRK ENTERPRISES LLC3 | 9542 YARROW CIRCLE SUITE 1 PENSACOLA, FL 32514 | AFLAC | $36 | $0 | $36 | 0.09% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE G. POLLOCK | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | AFLAC | $24 | $0 | $24 | 0.06% |
| DAVID G WILLIAMS3 Filed as: DAVID G. WILLIAMS | 108 COUNTRYSIDE DRIVE HENDERSONVILLE, TN 37075 | AFLAC | $17 | $0 | $17 | 0.04% |
| TYLER L NORWOOD3 Filed as: TYLER L. NORWOOD | 119 S. MACARTHUR AVENUE PANAMA CITY, FL 32401 | AFLAC | $9 | $4 | $13 | 0.03% |
| STEVEN H STEINHAUER3 Filed as: STEVEN H. STEINHAUER | 4730 TURNBERRY LANE UNIT 13 COLUMBUS, GA 31909 | AFLAC | $11 | $0 | $11 | 0.03% |
| ROBERTO D PRIVETTE3 Filed as: ROBERTO D. PRIVETTE | 8727 THOMAS DRIVE E 11 PANAMA CITY, FL 32408 | AFLAC | $6 | $4 | $10 | 0.03% |
| STEVEN VINCE NUTT3 | 1796 CONDOR DRIVE CANTONMENT, FL 32533 | AFLAC | $10 | $0 | $10 | 0.03% |
| DANIEL S ADAMS3 Filed as: DANIEL S. ADAMS | 3857 SCOTT CHURCH ROAD MARIANNA, FL 32448 | AFLAC | $5 | $2 | $7 | 0.02% |
| ROBERT W ROUSE JR3 Filed as: ROBERT D. PRIVETTE | 8727 THOMAS DRIVE E 11 PANAMA CITY, FL 32408 | AFLAC | $7 | $0 | $7 | 0.02% |
| THOMAS R BAILEY3 Filed as: THOMAS R. BAILEY | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $4 | $0 | $4 | 0.01% |
| BARNES INSURANCE & FINANCIAL SERVIC3 Filed as: BARNES INSURANCE & FIN SVCS. INC. | 1582 AIRPORT BLVD. PENSACOLA, FL 32504 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.83% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $443K |
| Dental(2 contracts, 2 carriers) | AFLAC | 83 | $51K |
| Vision | AFLAC | 83 | $38K |
| Life insurance | AFLAC | 83 | $38K |
| Short-term disability | AFLAC | 83 | $38K |
| Long-term disability | AFLAC | 83 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.