| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 N WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 N WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 4.00% |
| ENROLLEASE3 Filed as: STRATEGIC INSURANCE MANAGEMENT LLC | 7777 NORTH WICKHAM ROAD SUITE 12 5553 MELBOURNE, FL 32940 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 17.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURSE, FL 32940 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 5.77% |
| ENROLLEASE3 Filed as: STRATEGIC INSURANCE MANAGEMENT | 6769 N WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 4.06% |
| CAROLE A JUSTICE3 | 1929 CAVENDISH COURT ROCKLEDGE, FL 32955 | AFLAC | $4K | $238 | $5K | 10.05% |
| ENROLLEASE3 Filed as: STRATEGIC INSURANCE MANAGEMENT LLC | 777 N WICKHAM ROAD STE 12 553 MELBOURNE, FL 32940 | AFLAC | $946 | — | $946 | 2.03% |
| SHERI KENNARD GAUL3 Filed as: SHERI KENNARD GUAL | 426 MYRTLEWOOD ROAD MELBOURNE, FL 32940 | AFLAC | $910 | — | $910 | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7777 NORTH WICKHAM ROAD SUITE 12 #553 MELBOURNE, FL 32940 | AFLAC | $751 | — | $751 | 1.61% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $681 | — | $681 | 1.46% |
| RAE ANN SIONS3 Filed as: RAE ANN HUTCHINSON | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $362 | $25 | $387 | 0.83% |
| LISLIE K KIMBROUGH3 | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $286 | $68 | $354 | 0.76% |
| RAE ANN SIONS3 Filed as: RAE ANN HUTCHINSON | 2755 N BANANA RIVER DRIVE SUITE H MERRITT ISLAND, FL 32952 | AFLAC | $246 | $43 | $289 | 0.62% |
| ROBERT SUKOLSKY3 | 325 5TH AVENUE SUITE 101 INDIALANTIC, FL 32903 | AFLAC | $267 | — | $267 | 0.57% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $230 | — | $230 | 0.49% |
| DANIEL J LONG3 | 48 EISENTOWN DRIVE LOVETTSVILLE, VA 20180 | AFLAC | $138 | $63 | $201 | 0.43% |
| JOHN ALEXANDER3 Filed as: JOHN J ALEXANDER | PO BOX 320310 COCOA BEACH, FL 32932 | AFLAC | $144 | — | $144 | 0.31% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $85 | — | $85 | 0.18% |
| ROBERT L TRAPNELL JR3 | 15 NORTH INDIAN RIVER DRIVE APT 705 COCOA, FL 32922 | AFLAC | $74 | — | $74 | 0.16% |
| LORI K VOGEL3 | 1264 US HIGHWAY 1 SUITE 107 ROCKLEDGE, FL 32955 | AFLAC | $72 | — | $72 | 0.15% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP COURT ROCKLEDGE, FL 32955 | AFLAC | $59 | — | $59 | 0.13% |
| MARK WAYNE SPRADLING3 | 11 SOUTH JEFFERSON AVENUE SUITE A COOKEVILLE, TN 38501 | AFLAC | $50 | — | $50 | 0.11% |
| DANIEL J LONG3 | 10703 SPOTSYLVANIA AVENUE SUITE 201 FREDERICKSBURG, VA 22408 | AFLAC | $38 | $5 | $43 | 0.09% |
| MICHAEL N FLETCHER3 | PO BOX 434 VERO BEACH, FL 32961 | AFLAC | $32 | — | $32 | 0.07% |
| LACEY SAXON3 | 105 SEA PARK BOULEVARD SATELLITE BEACH, FL 32937 | AFLAC | $32 | — | $32 | 0.07% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $23 | — | $23 | 0.05% |
| SENIOR INS RESOURCES INC3 | PO BOX 320310 COCOA BEACH, FL 32932 | AFLAC | $21 | — | $21 | 0.04% |
| CYNTHIA A. HARRIS3 Filed as: CYNTHIA A HARRIS | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AFLAC | $20 | — | $20 | 0.04% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $19 | — | $19 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MARK D BROWN | PO BOX 560535 ROCKLEDGE, FL 32956 | AFLAC | $15 | — | $15 | 0.03% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $14 | — | $14 | 0.03% |
| JOHN DAVID MARTIN SR3 | 305 23RD AVENUE VERO BEACH, FL 32962 | AFLAC | $9 | — | $9 | 0.02% |
| JULES GRONICH3 | 6415 PEBBLE CREEK WAY BOYNTON BEACH, FL 33437 | AFLAC | $8 | — | $8 | 0.02% |
| JULIE NAUGHTON3 | 124 TERRY STREET INDIAN HARBOUR BEACH, FL 32937 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT D HAWKINS INC3 | 5951 PEGGY BARROW COURT PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 3930 SOUTH NOVA ROAD STE 201 PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT D HAWKINS INC3 | 5951 PEGGY BARROW DRIVE PORT ORANGE, FL 32127 | AFLAC | $0 | — | $0 | 0.00% |
| RIKKA LYNN KOWALSKI3 | 5303 ATASCOCITA ROAD APT 817 HUMBLE, TX 77346 | AFLAC | $0 | — | $0 | 0.00% |
| CATHERINE L LEE3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | AFLAC | $0 | — | $0 | 0.00% |
| FINANCIAL CONCEPTS INC3 | 1318 OAK STREET MELBOURNE, FL 32901 | 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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 117 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 156 | $114K |
| Vision | HUMANA INSURANCE COMPANY | 156 | $114K |
| Life insurance | AFLAC | 104 | $47K |
| Short-term disability | AFLAC | 104 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 38 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $486K |
| Other | AFLAC | 104 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.