| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 850 CONCOURSE PARKWAY S SUITE 200 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $54K | $59K | 5.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.28% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 3605 GLENDWOOD AVE MAITLAND OFFICE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 15.71% |
| PATRICIA A HOLMES3 Filed as: PATRICIA A. HOLMES | 2682 DRYER AVENUE LARGO, FL 33770 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.44% |
| BARRY BEVERLY3 Filed as: BARRY BEVERLY AND ASSOCIATES INC. | 14034 S. 145 E. DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $414 | — | $414 | 2.07% |
| SHANNON SPRADLING3 Filed as: SHANNON M. SPRADLING | 108 PADDOCK STREET SEBASTIAN, FL 32958 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 1.92% |
| NEENA W BEVERLY3 Filed as: NEENA W. BEVERLY | 11521 S. BLACK FOREST DRIVE SANDY, UT 84094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | — | $361 | 1.80% |
| JASON TERRY3 | 20105 HERON CROSSING DRIVE TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 1.19% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.99% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.73% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 156 TUSKAWILA ROAD SUITE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.40% |
| REILLY & ASSOCIATES, INC.3 | P. O. BOX 300612 FERN PARK, FL 32730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.13% |
| BRIAN WHITE3 Filed as: BRIAN M. HANLEY | 2798 MERIDIAN DRIVE #7 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| DCB ADVISORS INC.3 | 3205 JERRY SMITH ROAD DOVER, FL 33527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| SARAH CADY3 | 1382 BRIDLEBROOK DRIVE CASSLEBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M. HAWKINS | 5951 PEGGY BARROW COURT PORT ORANGE, FL 32127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P. O. BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DENA JORDAN3 Filed as: DENA L. JORDAN | 2461 W. STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 32216 | AFLAC | $210 | — | $210 | 2.62% |
| BARRY BEVERLY3 Filed as: BARRY BEVERLY AND ASSOCIATES INC. | 1888 E 6400 S HOLLIDAY, UT 84121 | AFLAC | $101 | — | $101 | 1.26% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 7121 TARPON COURT FLEMING ISLAND, FL 32003 | AFLAC | $90 | — | $90 | 1.12% |
| FAIRWINDS CREDIT UNION3 | 3087 N. ALAFAYA TRAIL ORLANDO, FL 32826 | AFLAC | $88 | — | $88 | 1.10% |
| NEENA W BEVERLY3 Filed as: NEENA BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $75 | — | $75 | 0.94% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR. | 10 N. INDIAN RIVER DRIVE APT. 701 COCOA, FL 32922 | AFLAC | $58 | — | $58 | 0.72% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1850 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | AFLAC | $53 | $4 | $57 | 0.71% |
| SHANNON SPRADLING3 | 1875 CARROLL DRIVE SAINT CLOUD, FL 34771 | AFLAC | $34 | $19 | $53 | 0.66% |
| J W GRIMES INC3 Filed as: J. W. GRIMES INC. | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $36 | — | $36 | 0.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 13515 BELL TOWER DRIVE FORT MYERS, FL 33907 | AFLAC | $34 | — | $34 | 0.42% |
| DINAH JEWEL3 | 2004 ADAIR STREET OCOEE, FL 24761 | AFLAC | $30 | — | $30 | 0.37% |
| TEAM WEISS AND ASSOC LLC3 | P. O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $26 | $4 | $30 | 0.37% |
| GREGORY MICHAEL CRUICE3 Filed as: GREGORY WADE | 11960 REMSEN ROAD JACKSONVILLE, FL 32223 | AFLAC | $23 | — | $23 | 0.29% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $22 | — | $22 | 0.27% |
| LARA CARLSON3 | 108 LAUREL VIEW DRIVE ST. SIMONS ISLAND, GA 31522 | AFLAC | $12 | — | $12 | 0.15% |
| THE BINNACLE GROUP INC.3 | 1339 ORCHID AVENUE WINTER PARK, FL 32789 | AFLAC | $7 | — | $7 | 0.09% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY COURT CASSELBERRY, FL 32707 | AFLAC | $5 | — | $5 | 0.06% |
| TLW VENTURES LLC3 | 614 E. HIGHWAY 50 338 CLERMONT, FL 34711 | AFLAC | $4 | — | $4 | 0.05% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 700 S HARBOUR ISLAND BLVD. TAMPA, FL 33602 | AFLAC | $2 | — | $2 | 0.02% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.01% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $996K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $996K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $43K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.