| 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. | $73K | — | $73K | 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 | $25K | — | $25K | 5.00% |
| GRETCHEN C SAX3 Filed as: GRETCHEN SAX | 14620 BALD EAGLE DR FORT MYERS, FL 33912 | AFLAC | $24K | $1K | $25K | 11.62% |
| JAMIE HARTT3 | 23285 WILBER AVE PORT CHARLOTTE, FL 33980 | AFLAC | $3K | $78 | $3K | 1.38% |
| BRENDA GARRETT3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $3K | $235 | $3K | 1.30% |
| LAURA ANNE CALARCO3 Filed as: LAURA DAVIDSON | 206 WILLOWICK DR NAPLES, FL 34110 | AFLAC | $2K | $157 | $2K | 1.03% |
| LARRY MOORE3 | 3270 HAMPTON BLVD ALVA, FL 33920 | AFLAC | $818 | — | $818 | 0.38% |
| BARBARA J DYE3 Filed as: BARBARA DYE | 1834 LAKEVIEW BLVD N FT MYERS, FL 33903 | AFLAC | $509 | — | $509 | 0.24% |
| THERESA CHAMBLISS3 | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $503 | — | $503 | 0.24% |
| DEREK R MANN3 Filed as: DEREK MANN | 2708 SUMMERFIELD PL PHENIX CITY, AL 36867 | AFLAC | $392 | — | $392 | 0.18% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $295 | — | $295 | 0.14% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $289 | — | $289 | 0.14% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $244 | — | $244 | 0.11% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $192 | — | $192 | 0.09% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $184 | — | $184 | 0.09% |
| JENNIFER A LECLAIRE3 Filed as: JENNIFER LECLAIRE | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $167 | — | $167 | 0.08% |
| SUSAN C BRIMHALL3 Filed as: SUSAN BRIMHALL | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $153 | — | $153 | 0.07% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $136 | — | $136 | 0.06% |
| CHRISTINA HAGAR3 | 4295 GLASGOW CT NORTH FORT MYERS, FL 33903 | AFLAC | $135 | — | $135 | 0.06% |
| KELLI RUFFINO3 | 2011 SW 8TH PL CAPE CORAL, FL 33991 | AFLAC | $132 | — | $132 | 0.06% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $127 | — | $127 | 0.06% |
| CASE PEARLMAN CORP BENEFITS INC3 | 7780 CAMBRIDGE MANOR PL STE B FORT MYERS, FL 33907 | AFLAC | $98 | — | $98 | 0.05% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $88 | — | $88 | 0.04% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | AFLAC | $62 | — | $62 | 0.03% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $55 | — | $55 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CRAIG BROWN | 1303 AUBURN LAKES CIR VENICE, FL 34292 | AFLAC | $53 | — | $53 | 0.02% |
| SAMANTHA J AYBAR3 | 1317 TRIANDA LN NAPLES, FL 34119 | AFLAC | $52 | — | $52 | 0.02% |
| PATRICIA POWELL3 | PO BOX 442 ESTERO, FL 33929 | AFLAC | $51 | — | $51 | 0.02% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $45 | — | $45 | 0.02% |
| VERTICH INS AGCY INC3 | 1412 ROYAL PALM SQUARE BLVD SUITE 101 FT MYERS, FL 33919 | AFLAC | $41 | — | $41 | 0.02% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $33 | — | $33 | 0.02% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $32 | — | $32 | 0.02% |
| JACQUELINE WIER3 | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | AFLAC | $28 | — | $28 | 0.01% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DR NAPLES, FL 34104 | AFLAC | $27 | — | $27 | 0.01% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE COURT NW CHARLESTOWN, TN 37310 | AFLAC | $21 | — | $21 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $21 | — | $21 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $20 | — | $20 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $18 | — | $18 | 0.01% |
| JANINE FOX3 | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $14 | — | $14 | 0.01% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FT MYERS, FL 33907 | AFLAC | $13 | — | $13 | 0.01% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $13 | — | $13 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $13 | — | $13 | 0.01% |
| JOSE AVILA3 | 5793 CAPE HARBOUR DR APT 919 CAPE CORAL, FL 33914 | AFLAC | $11 | — | $11 | 0.01% |
| SUE EUSEPI3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $9 | — | $9 | 0.00% |
| ROBERT G RHINE3 Filed as: ROBERT RHINE | 130 SE 43RD STREET CAPE CORAL, FL 33904 | AFLAC | $8 | — | $8 | 0.00% |
| RANDOLPH POWERS3 | PO BOX 101088 CAPE CORAL, FL 33910 | AFLAC | $7 | — | $7 | 0.00% |
| ANGEL STOKEY3 | 15761 PRENTISS POINT CIRCLE APT 102 FORT MYERS, FL 33908 | AFLAC | $6 | — | $6 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $5 | — | $5 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID S MORRIS3 Filed as: DAVID MORRIS | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | — | $4 | 0.00% |
| LANA M KLIMEK3 Filed as: LANA KLIMEK | 2801 BRAZOS BLVD EULESS, TX 76039 | AFLAC | $2 | — | $2 | 0.00% |
| VINCENT CHARLES MCDOWELL3 | 155 2ND AVE N STE 201 TWIN FALLS, ID 83301 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS B HERBY3 | PO BOX 152832 CAPE CORAL, FL 33915 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY HALL3 | 4694 WESTRIDGE DR WILLIAMSBURG, MI 49690 | AFLAC | $0 | — | $0 | 0.00% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $0 | — | $0 | 0.00% |
| DOUGLAS E FOX3 Filed as: DOUGLAS EDWARD FOX | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $0 | — | $0 | 0.00% |
| FRANCES CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $0 | — | $0 | 0.00% |
| MARY JO POMEROY3 | 8625 RED BARK PASS TRAVERSE CITY, MI 49685 | AFLAC | $0 | — | $0 | 0.00% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $28K | 13.94% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 260 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $204K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $204K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $204K |
| Short-term disability | AFLAC | 260 | $213K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 204 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.