| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $0 | $405 | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 200 COLONIAL CENTER PARKWAY SUITE 120 LAKE MARY, FL 32749 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6 | $6 | 0.01% |
| CYNITHIA A. HARRIS3 | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 14.39% |
| JACK C. TARPLEY3 | 600 PONTE VEDRA BOULEVARD SUITE 207 PONTE VERDRA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $479 | $0 | $479 | 0.52% |
| DANIEL BENNETT3 | PO BOX 195460 WINTER SPRINGS, FL 32719 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $407 | $0 | $407 | 0.45% |
| RAE ANN SIONS3 | 2505 RAINTREE LAKE CIRCLE MERRITT ISLAND, FL 32953 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $281 | $0 | $281 | 0.31% |
| HAROLD J. SMITH3 | 7759 PINE LAKE DRIVE MERRIT ISLAND, FL 32953 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.06% |
| CYNTHIA A. HARRIS3 | 1035 SOUTH GLENCOE ROAD NEW SMYRNA BEACH, FL 32168 | AFLAC | $5K | $382 | $6K | 8.91% |
| SHERI KENNARD GAUL3 | 426 MYRTLEWOOD ROAD MELBOURNE, FL 32940 | AFLAC | $954 | $0 | $954 | 1.51% |
| MICHAEL S WITHROW3 Filed as: MICHAEL S. WITHROW | 1264 US HIGHWAY 1, SUITE 104 ROCKLEDGE, FL 32955 | AFLAC | $773 | $56 | $829 | 1.31% |
| CYNTHIA A. HARRIS3 | PO BOX 1132 NEW SMYRNA BEACH, FL 32170 | AFLAC | $538 | $19 | $557 | 0.88% |
| D VICKERS & ASSOCIATES INC3 Filed as: D. VICKERS AND ASSOCIATES INC. | 3606 MILLENIA BOULEVARD APARTMENT 2301 ORLANDO, FL 32839 | AFLAC | $430 | $25 | $455 | 0.72% |
| ANDREW CONNORS3 | 3448 WILLIS DRIVE TITUSVILLE, FL 32796 | AFLAC | $361 | $80 | $441 | 0.70% |
| MJ INSURANCE3 Filed as: CAROL A. JUSTICE AND VARIOUS AGENTS | 1929 CAVENDISH COUT ROCKLEDGE, FL 32955 | AFLAC | $378 | $0 | $378 | 0.60% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $109K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $109K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $0 |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.