| 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 | $42K | — | $42K | 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 | $27K | — | $27K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6769 NORTH WICKHAM ROAD SUITE B107 MELBOURNE, FL 32940 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 11.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 10.16% |
| CAROLE A JUSTICE3 | 1929 CAVENDISH COURT ROCKLEDGE, FL 32955 | AFLAC | $3K | $158 | $3K | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $1K | — | $1K | 2.18% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $557 | $45 | $602 | 1.20% |
| RAE ANN SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AFLAC | $465 | — | $465 | 0.92% |
| ELIZABETH ANN FIFFIE3 | 1220 MARQUISE COURT UNIT G1 ROCKLEDGE, FL 32955 | AFLAC | $351 | $18 | $369 | 0.73% |
| ROBERT SUKOLSKY3 | 325 5TH AVENUE SUITE 101 INDIALANTIC, FL 32903 | AFLAC | $248 | — | $248 | 0.49% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $213 | — | $213 | 0.42% |
| SHERI KENNARD GAUL3 | 426 MYRTLEWOOD ROAD MELBOURNE, FL 32940 | AFLAC | $174 | — | $174 | 0.35% |
| JOHN ALEXANDER3 Filed as: JOHN J ALEXANDER | 1527 SOUTH ATLANTIC AVENUE APARTMENT 401 COCOA BEACH, FL 32931 | AFLAC | $163 | — | $163 | 0.32% |
| LACEY SAXON3 | 105 SEA PARK BOULEVARD SATELLITE BEACH, FL 32937 | AFLAC | $137 | $20 | $157 | 0.31% |
| ANDREW CONNORS3 Filed as: ANDREW D CONNORS | 5614 ADA STREET COCOA, FL 32927 | AFLAC | $97 | — | $97 | 0.19% |
| DANIEL J LONG3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 20176 | AFLAC | $90 | — | $90 | 0.18% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $81 | — | $81 | 0.16% |
| ROBERT L TRAPNELL JR3 | 15 NORTH INDIAN RIVER DRIVE APT 705 COCOA, FL 32922 | AFLAC | $74 | — | $74 | 0.15% |
| LORI K VOGEL3 | 1264 US HIGHWAY 1 SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $60 | — | $60 | 0.12% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP COURT ROCKLEDGE, FL 32955 | AFLAC | $57 | — | $57 | 0.11% |
| MARK WAYNE SPRADLING3 | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $51 | — | $51 | 0.10% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $43 | — | $43 | 0.09% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $42 | — | $42 | 0.08% |
| MICHAEL N FLETCHER3 | PO BOX 434 VERO BEACH, FL 32961 | AFLAC | $32 | — | $32 | 0.06% |
| CYNTHIA A. HARRIS3 Filed as: CYNTHIA A HARRIS | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AFLAC | $27 | — | $27 | 0.05% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $25 | — | $25 | 0.05% |
| DEREK DEVANE3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | AFLAC | $23 | — | $23 | 0.05% |
| ANDREW CONNORS3 Filed as: ANDREW D CONNORS | 3448 WILLIS DRIVE TITUSVILLE, FL 32796 | AFLAC | $18 | $4 | $22 | 0.04% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $21 | — | $21 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MARK BROWN | PO BOX 560535 ROCKLEDGE, FL 32956 | AFLAC | $17 | — | $17 | 0.03% |
| PATRICIA ALMOMD3 | 3964 JOURNEY COURT CASSELBERRY, FL 32707 | AFLAC | $15 | — | $15 | 0.03% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 3719 SOUTHWEST 74TH DRIVE GAINESVILLE, FL 32608 | AFLAC | $14 | — | $14 | 0.03% |
| PAGE G LEWIS3 | 416 CREE TRAIL PATRICK AIR FORCE BASE, FL 32925 | AFLAC | $13 | — | $13 | 0.03% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $12 | — | $12 | 0.02% |
| DENA JORDAN3 | 641 HIGUERA STREET SUITE 300 APARTMENT 208 SAN LUIS OBISPO, CA 93401 | AFLAC | $11 | — | $11 | 0.02% |
| 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 | $9 | — | $9 | 0.02% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | PO BOX 150804 ALTAMONTE SPRINGS, FL 32715 | AFLAC | $5 | — | $5 | 0.01% |
| JENNIE MOORE HAWKINS3 | 3930 SOUTH NOVA ROAD SUITE 201 PORT ORANGE, FL 32127 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT P FERRONE3 | 1701 WILLIAMS COURT APARTMENT 202 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| MARK WAYNE SPRADLING3 | 190 BLAYLOCK MOUNTAIN ROAD COOKEVILLE, TN 38506 | AFLAC | $4 | — | $4 | 0.01% |
| SARAH CADY3 | 123 STONE GABLE CIRCLE WINTER SPRINGS, FL 32708 | AFLAC | $3 | — | $3 | 0.01% |
| MARK C LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $2 | — | $2 | 0.00% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT D HAWKINS INC3 | 3216 MEDICI BOULEVARD NEW SMYRNA, FL 32168 | AFLAC | $2 | — | $2 | 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% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 111 DAUPHIN STREET MOBILE, AL 36602 | AFLAC | $1 | — | $1 | 0.00% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DRIVE LONGS, SC 29568 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 10167 SUMMERLAKE DRIVE MOBILE, AL 36608 | AFLAC | $1 | — | $1 | 0.00% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $848 | — | $848 | 28.58% |
| 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 | $265 | — | $265 | 8.93% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $1.7M |
| Dental | HUMANA INSURANCE COMPANY | 142 | $116K |
| Vision | HUMANA INSURANCE COMPANY | 142 | $116K |
| Life insurance | AFLAC | 71 | $50K |
| Short-term disability | AFLAC | 71 | $50K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 35 | $144K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 90 | $1.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 87 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.