| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $10K | $24K | 10.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.14% |
| GRETCHEN C SAX3 | 14620 BALD EAGLE DR FORT MYERS, FL 33912 | AFLAC | $19K | $1K | $20K | 9.92% |
| JAMIE HARTT3 | 23285 WILBER AVE PORT CHARLOTTE, FL 33980 | AFLAC | $3K | $195 | $3K | 1.57% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANNE DAVIDSON | 206 WILLOWICK DR NAPLES, FL 34110 | AFLAC | $1K | — | $1K | 0.67% |
| BRENDA LYNN GARRETT3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $1K | $181 | $1K | 0.61% |
| BRENDA LYNN GARRETT3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $1K | $13 | $1K | 0.54% |
| LARRY D DENNY3 Filed as: LARRY J MOORE | 3270 HAMPTON BLVD ALVA, FL 33920 | AFLAC | $697 | — | $697 | 0.35% |
| BARBARA J DYE3 | 1834 LAKEVIEW BLVD N FT MYERS, FL 33903 | AFLAC | $429 | — | $429 | 0.22% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $354 | — | $354 | 0.18% |
| DEREK R MANN3 | 2708 SUMMERFIELD PL PHENIX CITY, AL 36867 | AFLAC | $335 | — | $335 | 0.17% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $272 | — | $272 | 0.14% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $233 | — | $233 | 0.12% |
| ERIC W HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $219 | — | $219 | 0.11% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $175 | — | $175 | 0.09% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $148 | — | $148 | 0.07% |
| ARASAY LOPEZ3 | 17000 NW 89TH AVE HIALEAH, FL 33018 | AFLAC | $133 | — | $133 | 0.07% |
| CHRISTINA HAGAR3 | 4295 GLASGOW CT NORTH FORT MYERS, FL 33903 | AFLAC | $122 | — | $122 | 0.06% |
| KELLI RUFFINO3 | 2011 SW 8TH PL CAPE CORAL, FL 33991 | AFLAC | $118 | — | $118 | 0.06% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $117 | — | $117 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $112 | — | $112 | 0.06% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $93 | — | $93 | 0.05% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $92 | — | $92 | 0.05% |
| JENNIFER A LECLAIRE3 Filed as: JENNIFER LECLAIRE | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $91 | — | $91 | 0.05% |
| CASE PEARLMAN CORP BENEFITS INC3 | 7780 CAMBRIDGE MANOR PL STE B FORT MYERS, FL 33907 | AFLAC | $90 | — | $90 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CRAIG H BROWN | 1303 AUBURN LAKES CIR VENICE, FL 34292 | AFLAC | $86 | — | $86 | 0.04% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $69 | — | $69 | 0.03% |
| WILLIAM P. HILL3 Filed as: WILLIAM P HILL | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $58 | — | $58 | 0.03% |
| POORAK BEEMA LLC3 | 250 RIDGE PIKE APT 345B LAFAYETTE HILL, PA 19444 | AFLAC | $55 | — | $55 | 0.03% |
| G SCOTT COOKE3 Filed as: SCOTT C BLACK | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $49 | — | $49 | 0.02% |
| SAMANTHA J AYBAR3 | 1317 TRIANDRA LN NAPLES, FL 34119 | AFLAC | $48 | — | $48 | 0.02% |
| VERTICH INS AGCY INC3 | 1412 ROYAL PALM SQUARE BLVD SUITE 101 FT MYERS, FL 33919 | AFLAC | $48 | — | $48 | 0.02% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $43 | — | $43 | 0.02% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $39 | — | $39 | 0.02% |
| PAUL A HARRIS INC3 | 4560 VIA ROYALE SUITE 4B FT MYERS, FL 33919 | AFLAC | $38 | — | $38 | 0.02% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | AFLAC | $34 | — | $34 | 0.02% |
| FRIDAY CD FLATT3 Filed as: FRIDAY FLATT | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $34 | — | $34 | 0.02% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $29 | — | $29 | 0.01% |
| JACQUELINE WIER3 | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | AFLAC | $26 | — | $26 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $24 | — | $24 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTOWN, TN 37310 | AFLAC | $22 | — | $22 | 0.01% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $22 | — | $22 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $21 | — | $21 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $19 | — | $19 | 0.01% |
| JOSEPH SULLIVAN3 Filed as: JOSEPH P SULLIVAN | 1105 NIKKI VIEW DR BRANDON, FL 33511 | AFLAC | $17 | — | $17 | 0.01% |
| JOAN A FARNHAM3 | 5138 39TH ST W BRADENTON, FL 34210 | AFLAC | $16 | — | $16 | 0.01% |
| PAMELA G GIORDANO3 | 5114 33RD ST E BRADENTON, FL 34203 | AFLAC | $15 | — | $15 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $13 | — | $13 | 0.01% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $13 | — | $13 | 0.01% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FT MYERS, FL 33907 | AFLAC | $12 | — | $12 | 0.01% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $12 | — | $12 | 0.01% |
| MARK C LEE3 | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $12 | — | $12 | 0.01% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $12 | — | $12 | 0.01% |
| JOSE L AVILA3 | 17818 VACA CT FORT MYERS, FL 33908 | AFLAC | $12 | — | $12 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $11 | — | $11 | 0.01% |
| SUE EUSEPI3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $8 | — | $8 | 0.00% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $8 | — | $8 | 0.00% |
| ROBERT G RHINE3 | 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% |
| PATRICIA POWELL3 | PO BOX 442 ESTERO, FL 33929 | AFLAC | $6 | — | $6 | 0.00% |
| TIFFANY LEE ALLEN3 | 4219 OVERLOOK DR NE ST PETERSBURG, FL 33703 | AFLAC | $6 | — | $6 | 0.00% |
| ANGEL STOKEY3 | 15761 PRENTISS POINTE CIRCLE APT 102 FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | — | $4 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE RD LITHIA, FL 33547 | AFLAC | $4 | — | $4 | 0.00% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DR NAPLES, FL 34104 | AFLAC | $3 | — | $3 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS B HERBY3 | PO BOX 152832 CAPE CORAL, FL 33915 | AFLAC | $3 | — | $3 | 0.00% |
| LANA M KLIMEK3 Filed as: LANA KLIMEK | 2801 BRAZOS BLVD EULESS, TX 76039 | AFLAC | $2 | — | $2 | 0.00% |
| JULIE W CRAIG3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $1 | — | $1 | 0.00% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $1 | — | $1 | 0.00% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $0 | — | $0 | 0.00% |
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 | 318 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $224K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $224K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $224K |
| Short-term disability | AFLAC | 241 | $198K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.