| 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 | $17K | $4K | $21K | 16.14% |
| REBEKAH FUSSELL3 | 11007 CREIGHTON DRIVE ORLANDO, FL 32817 | AFLAC | $679 | $274 | $953 | 3.44% |
| MEGAN MARIE MCCARRELL3 | 2360 W COUNTY ROAD 44 EUSTIS, FL 32726 | AFLAC | $623 | $72 | $695 | 2.51% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | AFLAC | $456 | — | $456 | 1.65% |
| CINDY DEBRA WEISS3 Filed as: CINDY WEISS | P.O. BOX 149505 ORLANDO, FL 32814 | AFLAC | $331 | $66 | $397 | 1.43% |
| ELAINE COX3 | 3355 DOROTHEA RD JACKSONVILLE, FL 32216 | AFLAC | $174 | — | $174 | 0.63% |
| BARRY BEVERLY3 | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $143 | — | $143 | 0.52% |
| FAIRWINDS CREDIT UNION3 | 3087 N ALAFAYA TRL ORLANDO, FL 32826 | AFLAC | $79 | — | $79 | 0.29% |
| NEENA W BEVERLY3 Filed as: NEENA BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $76 | — | $76 | 0.27% |
| DINAH JEWEL3 | 2004 ADAIR ST OCOEE, FL 34761 | AFLAC | $71 | — | $71 | 0.26% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $53 | — | $53 | 0.19% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $49 | — | $49 | 0.18% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR. | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $42 | — | $42 | 0.15% |
| LARA CARLSON3 | 106 LAUREL VIEW DR ST. SIMONS ISLAND, GA 31522 | AFLAC | $29 | — | $29 | 0.10% |
| GREGORY MICHAEL CRUICE3 Filed as: GREGORY WADE | 11960 REMSEN RD JACKSONVILLE, FL 32223 | AFLAC | $23 | — | $23 | 0.08% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $22 | — | $22 | 0.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12751 NEW BRITTANY BLVD FORT MYERS, FL 33907 | AFLAC | $22 | — | $22 | 0.08% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $22 | — | $22 | 0.08% |
| J W GRIMES INC3 Filed as: J.W. GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $20 | — | $20 | 0.07% |
| SHANNON SPRADLING3 | 7625 AGAWAM ROAD SEBASTIAN, FL 32976 | AFLAC | $19 | — | $19 | 0.07% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $14 | — | $14 | 0.05% |
| APRIL L WEBER3 Filed as: APRIL WEBER | 12030 AGANA ST ORLANDO, FL 32837 | AFLAC | $12 | — | $12 | 0.04% |
| ERIKA LYNN SPENCER3 Filed as: ERIKA SPENCER | 3507 PIXIE LANE SAINT CLOUD, FL 34772 | AFLAC | $12 | — | $12 | 0.04% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $8 | — | $8 | 0.03% |
| TANYA FORE3 | 712 FOSTER GROVE LOOP OVIEDO, FL 32765 | AFLAC | $8 | — | $8 | 0.03% |
| THE BINNACLE GROUP INC.3 | 1339 ORCHID AVE WINTER PARK, FL 32789 | AFLAC | $7 | — | $7 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY APT 202 WAVERLY HALL, GA 31831 | AFLAC | $4 | — | $4 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIE HAWKINS3 | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | AFLAC | $2 | — | $2 | 0.01% |
| SARAH CADY3 | 123 STONE GABLE CIR WINTER SPRINGS, FL 32708 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN ALLEN BASS3 | 320 KETCH ROAD SAINT CLOUD, FL 34771 | AFLAC | $1 | — | $1 | 0.00% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 1862 KEYSTONE PLACE SCHAUMBURG, IL 60193 | AFLAC | $1 | — | $1 | 0.00% |
| BERNARD FALCO3 | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | 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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $131K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $131K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $131K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.