| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 301 EAST PINE STREET, SUITE 650 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.12% |
| CYNTHIA A. HARRIS3 | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 16.76% |
| JACK C. TARPLEY3 | 600 PONTE VEDRA BOULEVARD SUITE 207 PONTE VERDA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $604 | $0 | $604 | 0.67% |
| DANIEL BENNETT3 | PO BOX 195460 WINTER SPRINGS, FL 32719 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | $0 | $509 | 0.57% |
| HAROLD J. SMITH3 | 7759 PINE LAKE DRIVE MERRITT ISLAND, FL 32953 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.06% |
| CYNTHIA A. HARRIS3 | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AFLAC | $6K | $267 | $7K | 10.60% |
| MICHAEL S WITHROW3 Filed as: MICHAEL S. WITHROW | 1264 US HIGHWAY 1, SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $1K | $58 | $1K | 1.98% |
| SHERI KENNARD GAUL3 | 426 MYRTLEWOOD ROAD MELBOURNE, FL 32940 | AFLAC | $1K | $45 | $1K | 1.88% |
| ANDREW CONNORS3 Filed as: ANDREW D. CONNORS | 3448 WILLIS DRIVE TITUSVILLE, FL 32796 | AFLAC | $658 | $13 | $671 | 1.09% |
| CAROLE A JUSTICE3 Filed as: CAROLE AS JUSTICE | 1929 CAVENDISH COURT ROCKLEDGE, FL 32955 | AFLAC | $218 | $0 | $218 | 0.35% |
| D VICKERS & ASSOCIATES INC3 Filed as: D. VICKERS AND ASSOC AND VAR AGENTS | 3606 MILLENIA BOULEVARD APARTMENT 2301 ORLANDO, FL 32839 | AFLAC | $189 | $25 | $214 | 0.35% |
| LACEY SAXON3 | 105 SEA PARK BOULEVARD SATELLITE BEACH, FL 32937 | AFLAC | $115 | $0 | $115 | 0.19% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 179 | $184K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 179 | $184K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $208K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $118K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $118K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $2.2M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.