| 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 | $12K | $5K | $17K | 17.58% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DRIVE ORLANDO, FL 32817 | AFLAC | $2K | — | $2K | 9.51% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | AFLAC | $1K | — | $1K | 6.76% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $1K | — | $1K | 5.90% |
| TEAM WEISS AND ASSOC LLC3 | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $605 | — | $605 | 2.98% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $198 | $61 | $259 | 1.27% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $194 | — | $194 | 0.95% |
| BARRY BEVERLY3 | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $107 | — | $107 | 0.53% |
| FAIRWINDS CREDIT UNION3 | 3087 N ALAFAYA TRL ORLANDO, FL 32826 | AFLAC | $88 | — | $88 | 0.43% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $67 | — | $67 | 0.33% |
| DINAH JEWEL3 | 2004 ADAIR ST OCOEE, FL 34761 | AFLAC | $59 | — | $59 | 0.29% |
| NEENA W BEVERLY3 Filed as: NEENA BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $55 | — | $55 | 0.27% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR. | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $52 | — | $52 | 0.26% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $36 | $13 | $49 | 0.24% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $40 | — | $40 | 0.20% |
| J W GRIMES INC3 Filed as: J.W. GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $28 | — | $28 | 0.14% |
| LARA CARLSON3 | 106 LAUREL VIEW DR ST. SIMONS ISLAND, GA 31522 | AFLAC | $24 | — | $24 | 0.12% |
| GREGORY MICHAEL CRUICE3 Filed as: GREGORY WADE | 11960 REMSEN RD JACKSONVILLE, FL 32223 | AFLAC | $21 | — | $21 | 0.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 13515 BELL TOWER DR FORT MYERS, FL 33907 | AFLAC | $20 | — | $20 | 0.10% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $18 | — | $18 | 0.09% |
| SHANNON SPRADLING3 | 7625 AGAWAM ROAD SEBASTIAN, FL 32976 | AFLAC | $18 | — | $18 | 0.09% |
| BRIAN ALLEN BASS3 | 320 KETCH ROAD SAINT CLOUD, FL 34771 | AFLAC | $12 | $5 | $17 | 0.08% |
| JUSTIN WAYNE WEBER3 | 12030 AGANA ST ORLANDO, FL 32837 | AFLAC | $11 | — | $11 | 0.05% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $8 | — | $8 | 0.04% |
| TANYA FORE3 | 712 FOSTER GROVE LOOP OVIEDO, FL 32765 | AFLAC | $7 | — | $7 | 0.03% |
| THE BINNACLE GROUP INC.3 | 1339 ORCHID AVE WINTER PARK, FL 32789 | AFLAC | $6 | — | $6 | 0.03% |
| NEENA W BEVERLY3 Filed as: NEENA WIT BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $5 | — | $5 | 0.02% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY APT 202 WAVERLY HALL, GA 31831 | AFLAC | $3 | — | $3 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIE HAWKINS3 | 3930 S NOVA RD STE 201 PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | — | $1 | 0.00% |
| RUBICON REGION LLC3 | 360 W HUBBARD STREET APT 2008 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIRCLE LAKE MARY, FL 32746 | AFLAC | $1 | — | $1 | 0.00% |
| BARRY BEVERLY3 Filed as: BARRY C BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 1.87% |
| NEENA W BEVERLY3 Filed as: NEENA W. BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 1.58% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD STE 201 D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.63% |
| MKF & ASSOCIATES INC3 | 156 TUSKAWILA RD STE 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.38% |
| PATRICIA A HOLMES3 Filed as: PATRICIA A. HOLMES | 7001 142 AVE N #150 LARGO, FL 33771 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.37% |
| JASON TERRY3 | 20105 HERON CROSSING DR TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.24% |
| REILLY & ASSOCIATES, INC.3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.13% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES, INC | 7802 KINGSPOINTE PARKWAY SUITE 208A WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| ALLEN W. CALK3 | 5151 FLYNN PKWY STE 115 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| SHANNON SPRADLING3 Filed as: SHANNON M. SPRADLING | 1650 SAND LAKE RD STE 201 D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST STE I WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JENNIE MOORE HAWKINS3 Filed as: JENNIE M. HAWKINS | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $97K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $97K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $97K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.