| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEVCAP MANAGEMENT LLC3 | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 75069 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $6K | $24K | 17.10% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DRIVE ORLANDO, FL 32817 | AFLAC | $3K | $8 | $3K | 6.88% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | AFLAC | $2K | — | $2K | 4.47% |
| ERIKA LYNN SPENCER3 Filed as: ERIKA SPENCER | 3507 PIXIE LANE SAINT CLOUD, FL 34772 | AFLAC | $877 | $2 | $879 | 2.16% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $596 | — | $596 | 1.47% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A&M BONURA & ASSOCIATES INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $561 | — | $561 | 1.38% |
| CINDY DEBRA WEISS3 Filed as: CINDY WEISS | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $327 | $2 | $329 | 0.81% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $191 | — | $191 | 0.47% |
| BARRY BEVERLY3 | 199 E 1980 N HERBER CITY, UT 84032 | AFLAC | $142 | — | $142 | 0.35% |
| FAIRWINDS CREDIT UNION3 | 3087 N ALAFAYA TRL ORLANDO, FL 32826 | AFLAC | $87 | — | $87 | 0.21% |
| DINAH JEWEL3 | 2004 ADAIR ST OCOEE, FL 34761 | AFLAC | $76 | — | $76 | 0.19% |
| NEENA W BEVERLY3 Filed as: NEENA BEVERLY | 199 E 1980 N HUBER CITY, UT 84032 | AFLAC | $75 | — | $75 | 0.18% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $50 | — | $50 | 0.12% |
| GREGORY MICHAEL CRUICE3 Filed as: GREGORY WADE | 11960 REMSEN RD JACKSONVILLE, FL 32223 | AFLAC | $48 | — | $48 | 0.12% |
| ROBERT L TRAPNELL JR3 | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $47 | — | $47 | 0.12% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $42 | — | $42 | 0.10% |
| LARA CARLSON3 | 106 LAUREL VIEW DR ST. SIMONS ISLAND, GA 31522 | AFLAC | $31 | — | $31 | 0.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12751 NEW BRITTANY BLVD FORT MYERS, FL 33907 | AFLAC | $24 | — | $24 | 0.06% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $24 | — | $24 | 0.06% |
| J W GRIMES INC3 Filed as: J.W. GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $23 | — | $23 | 0.06% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $22 | — | $22 | 0.05% |
| SHANNON SPRADLING3 | 7625 AGAWAM ROAD SEBASTIAN, FL 32976 | AFLAC | $21 | — | $21 | 0.05% |
| JUSTIN WAYNE WEBER3 | 12030 AGANA ST ORLANDO, FL 32837 | AFLAC | $13 | — | $13 | 0.03% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $11 | — | $11 | 0.03% |
| TANYA FORE3 | PO BOX 5 OSTEEN, FL 32764 | AFLAC | $9 | — | $9 | 0.02% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $8 | — | $8 | 0.02% |
| THE BINNACLE GROUP INC.3 | 1339 ORCHID AVE WINTER PARK, FL 32789 | AFLAC | $7 | — | $7 | 0.02% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 333 EASTSIDE DR APT 7 FORESTON, GA 31808 | AFLAC | $4 | — | $4 | 0.01% |
| JENNIE HAWKINS3 | 4215 S RIDGEWOOD AVE SUITE 104 PORT ORANGE, FL 32127 | AFLAC | $2 | — | $2 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 | 8229 FRANK HOUSER AVE COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN ALLEN BASS3 | 506 CANTERBURY DRIVE LAGRANGE, GA 30241 | AFLAC | $1 | — | $1 | 0.00% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | — | $1 | 0.00% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 | 565 W GSTEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WSTER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $139K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $139K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $139K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $139K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.