| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | $27K | $84K | 6.72% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 0.53% |
| LANCE ACKERMAN3 | 5010 N 9TH ST TAMPA, FL 33603 | AFLAC | $15K | $521 | $16K | 9.72% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $2K | — | $2K | 1.14% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BLVD STE B14 PMB 753 WESLEY CHAPEL, FL 33544 | AFLAC | $1K | $52 | $1K | 0.87% |
| JAMIE PITTNER3 Filed as: JAMIE M PITTNER | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $759 | $112 | $871 | 0.53% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $489 | — | $489 | 0.30% |
| CHRISTOPHER MIDDLETON3 | 3712 CARROLBROOK RD TAMPA, FL 33618 | AFLAC | $385 | $64 | $449 | 0.27% |
| MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $413 | — | $413 | 0.25% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDRES AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $288 | — | $288 | 0.18% |
| RICARDO G SORIANO3 Filed as: RICARDO SORIANO | PO BXO 1003 DADE CITY, FL 33526 | AFLAC | $260 | — | $260 | 0.16% |
| SUSAN BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $247 | — | $247 | 0.15% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $188 | — | $188 | 0.11% |
| GREGORY SALE3 | PO BOX 2 LAKELAND, FL 33802 | AFLAC | $144 | — | $144 | 0.09% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $121 | — | $121 | 0.07% |
| SETH VAN STEENBERGEN3 Filed as: SETH A VAN STEENBERGEN | 16208 MARSHFIELD DR TAMPA, FL 33624 | AFLAC | $114 | — | $114 | 0.07% |
| JOHN MICHAEL GRUBBS3 | 34931 US HIGHWAY 19 N PALM HARBOR, FL 34684 | AFLAC | $100 | — | $100 | 0.06% |
| KATHRYN AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $96 | — | $96 | 0.06% |
| GREGORY MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $76 | — | $76 | 0.05% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSICE, CA 92056 | AFLAC | $53 | — | $53 | 0.03% |
| THOMAS LUND3 | 2801 SUNRISE DR SEBRING, FL 33872 | AFLAC | $44 | — | $44 | 0.03% |
| ADAM ROTH3 | 4627 RIVER OVERLOOK DR VALRICO, FL 33596 | AFLAC | $42 | — | $42 | 0.03% |
| SCOTT BLACK3 | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $41 | — | $41 | 0.03% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $35 | — | $35 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $33 | — | $33 | 0.02% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $29 | — | $29 | 0.02% |
| LTC INS & FIN PARTNERS INC3 | 6203 MARINA DR HOLMES BEACH, FL 34217 | AFLAC | $22 | — | $22 | 0.01% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $22 | — | $22 | 0.01% |
| MICHAEL K HALL3 Filed as: MICHAEL HALL | 408 JACKSON ST ROCKVILLE, IN 47872 | AFLAC | $19 | — | $19 | 0.01% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | PO BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $18 | — | $18 | 0.01% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER MOREHEAD | 26267 WALKING HORSE TRL BROOKSVILLE, FL 34601 | AFLAC | $17 | — | $17 | 0.01% |
| BECKY ASARE3 | 10438 CANARY ISLE DR TAMPA, FL 33647 | AFLAC | $13 | — | $13 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $12 | — | $12 | 0.01% |
| JUSTIN M REYNOLDS3 Filed as: JUSTIN REYNOLDS | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $11 | — | $11 | 0.01% |
| JAMES SMITH3 | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $10 | — | $10 | 0.01% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER III | 2512 GARDEN ST MERAUX, LA 70075 | AFLAC | $9 | — | $9 | 0.01% |
| W WADE BOTKIN III3 | 307 45TH ST W BRADENTON, FL 34209 | AFLAC | $9 | — | $9 | 0.01% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 172 WALKING STICK DR ELLERSLIE, GA 31807 | AFLAC | $8 | — | $8 | 0.00% |
| HEARTLAND BENEFITS INC3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $8 | — | $8 | 0.00% |
| ELLEN D JAMES3 Filed as: ELLEN JAMES | 5110 TARI STREAM WAY BRANDON, FL 33511 | AFLAC | $8 | — | $8 | 0.00% |
| STEFAN E SCHULT3 Filed as: STEFAN SCHULT | 4216 EILAND DR SEBRING, FL 33875 | AFLAC | $8 | — | $8 | 0.00% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.00% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $4 | — | $4 | 0.00% |
| JANICE NICKELL3 | 245 OAK AVE APT 504 SEBRING, FL 33870 | AFLAC | $3 | — | $3 | 0.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $14K | $14K | 10.00% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP LLC | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.28% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 10.00% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.28% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| OMS INSURANCE GROUP3 Filed as: OMS INS GROUP | PO BOX 2 LAKELAND, FL 33802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.34% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS | 26 LAKE WIRE DR LAKELAND, FL 33815 | VISION SERVICE PLAN | $3K | — | $3K | 2.37% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.90% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DR STE 201 ORLANDO, FL 32821 | GUARDIAN | $2K | $2K | $3K | 7.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $522K |
| OMS INSURANCE GROUP INC EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $155K |
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 | 914 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 998 | $41K |
| Vision | VISION SERVICE PLAN | 950 | $123K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 1,150 | $424K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 1,150 | $424K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 530 | $301K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 914 | $1.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.