| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & ASSOCIATES INC3 Filed as: KITCHNER & ASSOCIATES INC. | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 6.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 1.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-FLORIDA | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 333092148 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $700 | $700 | 0.18% |
| KITCHNER & ASSOCIATES INC3 Filed as: KITCHNER & ASSOCIATES INC. | 7020 PROFESSIONAL PKWY STE 100 LAKEWOOD RANCH, FL 34240 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 19.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $980 | $3K | 6.95% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $498 | $5 | $503 | 3.38% |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | $324 | $22 | $346 | 2.32% |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | AFLAC | $312 | — | $312 | 2.10% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $98 | — | $98 | 0.66% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $96 | — | $96 | 0.64% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE | 150 SAWGRASS DR ROCHESTER, NY 14620 | AFLAC | $93 | — | $93 | 0.62% |
| TOM FARRELL CONWAY3 | 13123 BLISS LOOP BRADENTON, FL 34211 | AFLAC | $49 | — | $49 | 0.33% |
| NICOLE LYNN RIHANEK3 | 5535 NIGHT OWL TER PALMETTO, FL 34221 | AFLAC | $28 | $5 | $33 | 0.22% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $13 | — | $13 | 0.09% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $12 | — | $12 | 0.08% |
| KITCHNER & ASSOCIATES INC3 Filed as: KITCHNER BENEFITS | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | BENEFIT INTELLIGENCE | $372 | — | $372 | 16.10% |
| IBUSINESS SOLUTIONS INC4 Filed as: IBUSINESS SOLUTIONS | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $100 | — | $100 | 6.51% |
| LORI ABRAMSON4 | 7917 MAINSAIL LN SARASOTA, FL 34240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $92 | — | $92 | 5.99% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $397K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $50K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $50K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $50K |
| Short-term disability | AFLAC | 16 | $15K |
| Other(3 contracts, 3 carriers) | AFLAC | 28 | $19K |
| 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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.