| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | BLUE CROSS BLUE SHIELD OF FLORIDA | $44K | — | $44K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | — | $28K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURSE, FL 32940 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 9.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6769 NORTH WICKHAM ROAD SUITE B107 MELBOURNE, FL 32940 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 15.97% |
| CAROLE A JUSTICE3 | 1929 CAVENDISH COURT ROCKLEDGE, FL 32955 | AFLAC | $4K | $320 | $4K | 6.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7777 NORTH WICKHAM ROAD SUITE 12 553 MELBOURNE, FL 32940 | AFLAC | $1K | — | $1K | 2.35% |
| MICHAEL WITHROW3 | 1264 US HIGHWAY 1 SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $687 | $91 | $778 | 1.35% |
| RAE ANN SIONS3 Filed as: RAE ANN HUTCHINSON | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $577 | — | $577 | 1.00% |
| LACEY SAXON3 | 105 SEA PARK BOULEVARD SATELLITE BEACH, FL 32937 | AFLAC | $487 | $22 | $509 | 0.88% |
| SHERI KENNARD GAUL3 Filed as: SHERI GAUL | 426 MYRTLEWOOD ROAD MELBOURNE, FL 32940 | AFLAC | $387 | $70 | $457 | 0.79% |
| ROBERT SUKOLSKY3 | 325 5TH AVENUE SUITE 101 INDIALANTIC, FL 32903 | AFLAC | $298 | — | $298 | 0.52% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $266 | $3 | $269 | 0.47% |
| JOHN ALEXANDER3 Filed as: JOHN J ALEXANDER | 1527 SOUTH ATLANTIC AVENUE APARTMENT 401 COCOA BEACH, FL 32932 | AFLAC | $181 | — | $181 | 0.31% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 20176 | AFLAC | $115 | — | $115 | 0.20% |
| ELIZABETH FIFFIE3 | 1220 MARQUISE COURT UNIT G1 ROCKLEDGE, FL 32955 | AFLAC | $97 | — | $97 | 0.17% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $95 | — | $95 | 0.17% |
| LORI K VOGEL3 Filed as: LORI VOGEL | 1264 US HIGHWAY 1 SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $84 | — | $84 | 0.15% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 19 NORTH INDIAN RIVER DRIVE APT 701 COCOA, FL 32922 | AFLAC | $82 | — | $82 | 0.14% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP COURT ROCKLEDGE, FL 32955 | AFLAC | $72 | — | $72 | 0.13% |
| MARK SPRADLING3 | 11 SOUTH JEFFERSON AVENUE SUITE A COOKEVILLE, TN 38501 | AFLAC | $66 | — | $66 | 0.11% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $54 | — | $54 | 0.09% |
| PAGE LEWIS3 | 416 CREE TRAIL PATRICK AIR FORCE BASE, FL 32937 | AFLAC | $30 | $16 | $46 | 0.08% |
| MICHAEL N FLETCHER3 Filed as: MICHAEL FLETCHER | PO BOX 434 VERO BEACH, FL 32961 | AFLAC | $42 | — | $42 | 0.07% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $27 | — | $27 | 0.05% |
| CYNTHIA HARRIS3 | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AFLAC | $27 | — | $27 | 0.05% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 8165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $21 | — | $21 | 0.04% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $20 | — | $20 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MARK BROWN | PO BOX 560535 ROCKLEDGE, FL 32956 | AFLAC | $17 | — | $17 | 0.03% |
| DEREK DEVANE3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $9 | $7 | $16 | 0.03% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 2798 MERIDIAN DRIVE UNITE 7 GREENVILLE, NC 27834 | AFLAC | $6 | $7 | $13 | 0.02% |
| JOHN DAVID MARTIN SR3 Filed as: JOHN MARTIN SR | 305 23RD AVENUE VERO BEACH, FL 32962 | AFLAC | $12 | — | $12 | 0.02% |
| JULES GRONICH3 | 6415 PEBBLE CREEK WAY BOYNTON BEACH, FL 33437 | AFLAC | $9 | — | $9 | 0.02% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | PO BOX 150804 ALTAMONTE SPRINGS, FL 32715 | AFLAC | $5 | — | $5 | 0.01% |
| ANDREW CONNORS3 | 5614 ADA STREET COCOA, FL 32927 | AFLAC | $4 | — | $4 | 0.01% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $3 | — | $3 | 0.01% |
| DENA JORDAN3 | 641 HIGUERA STREET SUITE 300 APARTMENT 208 SAN LUIS OBISPO, CA 93401 | AFLAC | $3 | — | $3 | 0.01% |
| SCOTT D HAWKINS INC3 | 3930 SOUTH NOVA ROAD PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M HAWKINS INC | 3930 SOUTH NOVA ROAD SUITE 201 PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIE HAWKINS3 | 3930 SOUTH NOVA ROAD SUITE 201 PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS COURT APARTMENT 202 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIRCLE WINTER SPRINGS, FL 32708 | AFLAC | $1 | — | $1 | 0.00% |
| ASHLEY CROOK3 | 111 DAUPHIN STREET MOBILE, AL 36602 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | AFLAC | $0 | — | $0 | 0.00% |
| LINDA B CAMPBELL3 Filed as: LINDA CAMPBELL | 174 PALMETTO GREEN DRIVE LONGS, SC 32952 | AFLAC | $0 | — | $0 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | PRE-PAID LEGAL SERVICES, INC DBA. LEGALSHIELD | $631 | — | $631 | 47.09% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC DBA. LEGALSHIELD | $16 | — | $16 | 1.19% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 105 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY | 169 | $125K |
| Vision | HUMANA INSURANCE COMPANY | 169 | $125K |
| Life insurance | AFLAC | 95 | $58K |
| Short-term disability | AFLAC | 95 | $58K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 38 | $124K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 105 | $704K |
| Other(2 contracts, 2 carriers) | AFLAC | 95 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.