| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 20.00% |
| RANDALL DAVID BRISTOWE3 Filed as: RANDALL BRISTOWE | 11234 SAN JOSE BLVD. SUITE 7 JACKSONVILLE, FL 32223 | AFLAC | $1K | — | $1K | 13.05% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $1K | — | $1K | 13.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | AFLAC | $637 | — | $637 | 6.52% |
| GREGORY MICHAEL CRUICE3 | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $399 | — | $399 | 4.08% |
| DAVID ABOULAFIA3 | 235 ALERTO STREET ST. AUGUSTINE, FL 32080 | AFLAC | $270 | — | $270 | 2.76% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER | 4811 BEACH BLVD. SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $259 | — | $259 | 2.65% |
| MARK A LINSNER3 | 10175 FORTUNE PARKWAY UNIT 604 JACKSONVILLE, FL 32256 | AFLAC | $259 | — | $259 | 2.65% |
| DAVID ABOULAFIA3 | 1 SPENCER STREET ST. AUGUSTINE, FL 32084 | AFLAC | $129 | — | $129 | 1.32% |
| SHAWN I. STUBBS3 | 409 TWIN OAKS LANE ST. JOHNS, FL 32259 | ALLSTATE | $370 | — | $370 | 4.25% |
| RANDALL D BRISTOWE3 Filed as: RANDALL D. BRISTOWE | PO BOX 550710 JACKSONVILLE, FL 32255 | ALLSTATE | $299 | — | $299 | 3.43% |
| MAROLYN BRISTOWE3 | PO BOX 550710 JACKSONVILLE, FL 32255 | ALLSTATE | $234 | — | $234 | 2.69% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | ALLSTATE | $212 | — | $212 | 2.43% |
| BRISTOWE INSURANCE GROUP3 | PO BOX 550710 JACKSONVILLE, FL 32255 | ALLSTATE | $27 | — | $27 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 606731298 | ALLSTATE | $1 | — | $1 | 0.01% |
| SUPERIOR VISION Filed as: SUPERIOR VISION SERVICES | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $24 | — | $24 | 0.88% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 11 | $9K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 21 | $3K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $84K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $84K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $84K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.