| 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 | — | $27K | $27K | 6.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 1.41% |
| KITCHNER & ASSOCIATES INC3 Filed as: KITCHNER & ASSOCIATES INC. | 7020 PROFESSIONAL PKWY STE 100 LAKEWOOD RANCH, FL 34240 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $360 | $7K | 11.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| LORI ABRAMSON4 | 2521 WATERFRONT CIR LAKEWOOD RANCH, FL 34240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $229 | — | $229 | 10.60% |
| IBUSINESS SOLUTIONS INC4 Filed as: IBUSINESS SOLUTIONS | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $134 | — | $134 | 6.20% |
| KITCHNER & ASSOCIATES INC3 Filed as: KITCHNER BENEFITS | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | BENEFIT INTELLIGENCE | $14 | — | $14 | 3.70% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | — | — | $0 | — |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | — | — | $0 | — |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | AFLAC | — | — | $0 | — |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | — | — | $0 | — |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | — | — | $0 | — |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE | 150 SAWGRASS DR ROCHESTER, NY 14620 | AFLAC | — | — | $0 | — |
| TOM FARRELL CONWAY3 | 13123 BLISS LOOP BRADENTON, FL 34211 | AFLAC | — | — | $0 | — |
| NICOLE LYNN RIHANEK3 | 5535 NIGHT OWL TER PALMETTO, FL 34221 | AFLAC | — | — | $0 | — |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | — | — | $0 | — |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | — | — | $0 | — |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 70 | $417K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $56K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $56K |
| Short-term disability | AFLAC | 0 | $0 |
| Other(3 contracts, 3 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 32 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.