| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC | 26701 DUBLIN WOODS CIRCLES 2ND FLOOR BONITA SPRINGS, FL 34135 | HEALTH OPTIONS, INC. | $65K | — | $65K | 5.00% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC | 26701 DUBLIN WOODS CIRCLES 2ND FLOOR BONITA SPRINGS, FL 34135 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 5.00% |
| GRETCHEN C SAX3 | 14620 BALD EAGLE DRIVE FORT MYERS, FL 33912 | AFLAC | $22K | $975 | $23K | 11.52% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANNE DAVIDSON | 206 WILLOWICK DRIVE NAPLES, FL 34110 | AFLAC | $4K | $201 | $4K | 2.13% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33928 | AFLAC | $2K | $37 | $2K | 0.94% |
| THERESA CHAMBLISS3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $821 | $174 | $995 | 0.51% |
| LARRY MOORE3 | 3270 HAMPTON BLVD ALVA, FL 33920 | AFLAC | $843 | — | $843 | 0.43% |
| BARBARA J DYE3 Filed as: BARBARA DYE | 1834 LAKEVIEW BLVD N FT MYERS, FL 33903 | AFLAC | $580 | — | $580 | 0.29% |
| DEREK R MANN3 Filed as: DEREK MANN | 361 LEE ROAD 339 SALEM, AL 36874 | AFLAC | $405 | — | $405 | 0.21% |
| SUSAN C BRIMHALL3 Filed as: SUSAN BRIMHALL | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $220 | $138 | $358 | 0.18% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $339 | — | $339 | 0.17% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $329 | — | $329 | 0.17% |
| PATRICIA POWELL3 | PO BOX 442 ESTERO, FL 33929 | AFLAC | $274 | $55 | $329 | 0.17% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $260 | — | $260 | 0.13% |
| JAMIE HARTT3 | 23285 WILBER AVE PORT CHARLOTTE, FL 33980 | AFLAC | $211 | — | $211 | 0.11% |
| JENNIFER A LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $209 | — | $209 | 0.11% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $207 | — | $207 | 0.11% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $186 | — | $186 | 0.09% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $157 | — | $157 | 0.08% |
| KELLI RUFFINO3 | 2011 SW 8TH PL CAPE CORAL, FL 33991 | AFLAC | $155 | — | $155 | 0.08% |
| CHRISTINA HAGAR3 | 4295 GLASGOW CT NORTH FORT MYERS, FL 33903 | AFLAC | $153 | — | $153 | 0.08% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $150 | — | $150 | 0.08% |
| CASE PEARLMAN CORP BENEFITS INC3 | 7780 CAMBRIDGE MANOR PL STE B FORT MYERS, FL 33907 | AFLAC | $130 | — | $130 | 0.07% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $95 | — | $95 | 0.05% |
| VERTICH INS AGCY INC3 | 1412 ROYAL PALM SQUARE BLVD SUITE 101 FT MYERS, FL 33919 | AFLAC | $95 | — | $95 | 0.05% |
| JACQUELINE WIER3 | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | AFLAC | $57 | $29 | $86 | 0.04% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | AFLAC | $75 | — | $75 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CRAIG BROWN | 1303 AUBURN LAKES CIR VENICE, FL 34292 | AFLAC | $53 | — | $53 | 0.03% |
| RANDOLPH POWERS3 | PO BOX 101088 CAPE CORAL, FL 33910 | AFLAC | $45 | — | $45 | 0.02% |
| CAROLYN S LEVEILLE3 | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | AFLAC | $44 | — | $44 | 0.02% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $31 | — | $31 | 0.02% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $30 | — | $30 | 0.02% |
| KIMBERLY ANN HALL3 | 4694 WESTRIDGE DR WILLIAMSBURG, MI 49690 | AFLAC | $30 | — | $30 | 0.02% |
| SAMANTHA J AYBAR3 | 1317 TRIANDA LN NAPLES, FL 34119 | AFLAC | $26 | — | $26 | 0.01% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $24 | — | $24 | 0.01% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $24 | — | $24 | 0.01% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DR NAPLES, FL 34104 | AFLAC | $12 | $11 | $23 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $16 | — | $16 | 0.01% |
| JOHN W POMEROY3 | 8625 REDBARK PASS TRAVERSE CITY, MI 49684 | AFLAC | $16 | — | $16 | 0.01% |
| JOSE L AVILA3 | 15031 PUNTA RASSA RD APT 506 FORT MYERS, FL 33908 | AFLAC | $13 | — | $13 | 0.01% |
| VINCENT CHARLES MCDOWELL3 | 2267 E 25TH ST IDAHO FALLS, ID 83404 | AFLAC | $13 | — | $13 | 0.01% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FT MYERS, FL 33907 | AFLAC | $13 | — | $13 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | AFLAC | $10 | — | $10 | 0.01% |
| ROBERT G RHINE3 | 130 SE 43RD STREET CAPE CORAL, FL 33904 | AFLAC | $8 | — | $8 | 0.00% |
| BENJAMIN HUNTER3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $8 | — | $8 | 0.00% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $6 | — | $6 | 0.00% |
| ANGEL STOKEY3 | 15761 PRENTISS POINT CIRCLE APT 102 FORT MYERS, FL 33908 | AFLAC | $6 | — | $6 | 0.00% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN SUITE 525 OLDSMAR, FL 34677 | AFLAC | $6 | — | $6 | 0.00% |
| THOMAS B HERBY3 | PO BOX 152832 CAPE CORAL, FL 33915 | AFLAC | $4 | — | $4 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $4 | — | $4 | 0.00% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $3 | — | $3 | 0.00% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 11.58% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 261 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $180K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $180K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $180K |
| Short-term disability | AFLAC | 261 | $197K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 184 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.