| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WASAU, WI 54403 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.39% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $29K | $1K | $31K | 12.07% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | AFLAC | $4K | $249 | $4K | 1.55% |
| MICHAEL R REBER3 | 8600 HIDDEN RIVER PKWY STE 75 TAMPA, FL 33637 | AFLAC | $3K | $249 | $3K | 1.23% |
| LANCE ACKERMAN3 Filed as: LANCE N ACKERMAN | 12346 VILLAGER CT TAMPA, FL 33625 | AFLAC | $3K | — | $3K | 1.19% |
| MARK MACKO3 | 1203 MANDERLEE PL TRINITY, FL 34655 | AFLAC | $1K | — | $1K | 0.45% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $777 | — | $777 | 0.31% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $493 | $249 | $742 | 0.29% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE SUITE 525 OLDSMAR, FL 34677 | AFLAC | $472 | — | $472 | 0.19% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $396 | — | $396 | 0.16% |
| ADAM ROTH3 Filed as: ADAM B ROTH | 4627 RIVER OVERLOOK DR VALRICO, FL 33596 | AFLAC | $303 | — | $303 | 0.12% |
| JEANNINE MACKO3 | 1203 MANDERLEE PL TRINITY, FL 34655 | AFLAC | $246 | — | $246 | 0.10% |
| BECKY OSAFO ASARE3 | 10438 CANARY ISLE DR TAMPA, FL 33647 | AFLAC | $242 | — | $242 | 0.10% |
| GREGORY SALE3 Filed as: GREGORY G SALE | PO BOX 2 LAKELAND, FL 33802 | AFLAC | $214 | — | $214 | 0.08% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 1582 RUNNING DEER DR KERNERSVILLE, NC 27284 | AFLAC | $166 | — | $166 | 0.07% |
| LUANNE PEARSON3 | 120 S ARRAWANA AVE APT A TAMPA, FL 33609 | AFLAC | $98 | $14 | $112 | 0.04% |
| TOWERS TAX AND FINANCIAL SERVICES I3 | 17910 E COTTONWOOD DR UNITE B PARKER, CO 80134 | AFLAC | $52 | — | $52 | 0.02% |
| DONALD HUDSON3 | 3991 SE 22ND AVE OCALA, FL 34480 | AFLAC | $45 | — | $45 | 0.02% |
| MISTY M KRUG3 | 2774 DEPEW ST WHEAT RIDGE, CO 80214 | AFLAC | $37 | — | $37 | 0.01% |
| LORNA BARTLETTE3 Filed as: LORNA A BARTLETTE | PO BOX 9673 ST THOMAS, VI 00801 | AFLAC | $25 | — | $25 | 0.01% |
| SUPERIOR BENEFITS INC3 Filed as: SUPERIOR BENEFITS INC. | 3705 W SWANN AVE 2ND FL TAMPA, FL 33609 | AFLAC | $14 | — | $14 | 0.01% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR ST AURORA, CO 80018 | AFLAC | $12 | — | $12 | 0.00% |
| FLOR D MORALES DE TORES3 | SOLDADO GASPAR RIOS 1163 SAN JUAN, PR 00923 | AFLAC | $4 | — | $4 | 0.00% |
| ALLEN REED SMITH3 | 3505 EAST FRONTAGE RD STE 120 TAMPA, FL 33607 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL BARTLEIN3 | 5577 BROADCAST CT SARASOTA, FL 34240 | AFLAC | $2 | — | $2 | 0.00% |
| JOSE HOWER OLMO3 Filed as: JOSE E HOWER OLMO | EDIFICIO LA ELECTRONICA 39 CALLE POMAROSA SAN JUAN, PR 00927 | AFLAC | $1 | — | $1 | 0.00% |
| COLLEEN DONOVAN3 | 10517 MISTFLOWER LN TAMPA, FL 33647 | AFLAC | $1 | — | $1 | 0.00% |
| GRAVES INC3 Filed as: GRAVES INC. | 5336 CAPTAINS CT NEW PORT RICHEY, FL 34652 | AFLAC | $1 | — | $1 | 0.00% |
| OMS INSURANCE GROUP3 | PO BOX 2 LAKELAND, FL 33802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $2K | $16K | 9.80% |
| OMS INSURANCE GROUP3 Filed as: OMS INSURANCE GROUP LLC | 26 LAKE WIRE DRIVE LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 8.33% |
| NPC FINANCIAL INC.3 | 2 SOUTH BISCAYNE BLVD STE 1740 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $477K |
| OMS INSURANCE GROUP INC EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $133K |
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 | 516 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 521 | $50K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 605 | $414K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 605 | $414K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 605 | $160K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 517 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
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.