| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $8K | $27K | 13.88% |
| GRETCHEN C SAX3 | 14620 BALD EAGLE DR FORT MYERS, FL 33912 | AFLAC | $16K | $808 | $17K | 9.53% |
| JAMIE HARTT3 | 23285 WILBER AVE PORT CHARLOTTE, FL 33980 | AFLAC | $3K | $156 | $3K | 1.61% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANNE DAVIDSON | 206 WILLOWICK DR NAPLES, FL 34110 | AFLAC | $1K | — | $1K | 0.71% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $1K | $16 | $1K | 0.70% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVE. STE G03 RALEIGH, NC 27612 | AFLAC | $789 | $145 | $934 | 0.53% |
| LARRY D DENNY3 Filed as: LARRY J MOORE | 3270 HAMPTON BLVD ALVA, FL 33920 | AFLAC | $451 | — | $451 | 0.25% |
| BARBARA J DYE3 | 1834 LAKEVIEW BLVD N FT MYERS, FL 33903 | AFLAC | $416 | — | $416 | 0.23% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $283 | — | $283 | 0.16% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $244 | — | $244 | 0.14% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $225 | — | $225 | 0.13% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $220 | — | $220 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CRAIG H BROWN | 1303 AUBURN LAKES CIR VENICE, FL 34292 | AFLAC | $197 | $21 | $218 | 0.12% |
| ERIC W HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $176 | — | $176 | 0.10% |
| WILLIAM P. HILL3 Filed as: WILLIAM P HILL | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $116 | $48 | $164 | 0.09% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $153 | — | $153 | 0.09% |
| PAUL A HARRIS INC3 | 4560 VIA ROYALE SUITE 4B FT MYERS, FL 33919 | AFLAC | $149 | — | $149 | 0.08% |
| POORAK BEEMA LLC3 | 250 RIDGE PIKE APT 345B LAFAYETTE HILL, PA 19444 | AFLAC | $111 | — | $111 | 0.06% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $106 | — | $106 | 0.06% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $101 | — | $101 | 0.06% |
| KELLI RUFFINO3 | 2011 SW 8TH PL CAPE CORAL, FL 33991 | AFLAC | $98 | — | $98 | 0.06% |
| ARASAY LOPEZ3 | 17000 NW 89TH AVE HIALEAH, FL 33018 | AFLAC | $50 | $45 | $95 | 0.05% |
| CASE PEARLMAN CORP BENEFITS INC3 | 12140 CARISSA COMMERCE CT. STE 104 FORT MYERS, FL 33966 | AFLAC | $79 | — | $79 | 0.04% |
| G SCOTT COOKE3 Filed as: SCOTT C BLACK | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $78 | — | $78 | 0.04% |
| CHRISTINA HAGAR3 | 4295 GLASGOW CT NORTH FORT MYERS, FL 33903 | AFLAC | $76 | — | $76 | 0.04% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $73 | — | $73 | 0.04% |
| JENNIFER A LECLAIRE3 Filed as: JENNIFER LECLAIRE | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $72 | — | $72 | 0.04% |
| VERTICH INS AGCY INC3 | 1412 ROYAL PALM SQUARE BLVD SUITE 101 FT MYERS, FL 33919 | AFLAC | $67 | — | $67 | 0.04% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $61 | — | $61 | 0.03% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $59 | — | $59 | 0.03% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 9182 ESTERO RIVER CIRCLE ESTERO, FL 33928 | AFLAC | $46 | $4 | $50 | 0.03% |
| SAMANTHA J AYBAR3 | 1317 TRIANDRA LN NAPLES, FL 34119 | AFLAC | $48 | — | $48 | 0.03% |
| MICHELL L VAZQUEZ3 | 18091 TRAVERSE DR ALVA, FL 33920 | AFLAC | $46 | — | $46 | 0.03% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AFLAC | $46 | — | $46 | 0.03% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $42 | — | $42 | 0.02% |
| CARLA LOOPER3 Filed as: CARLA L LOOPER | 23363 JACOBSON RD BROOKSVILLE, FL 34601 | AFLAC | $37 | — | $37 | 0.02% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $26 | $8 | $34 | 0.02% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $31 | — | $31 | 0.02% |
| FRIDAY CD FLATT3 Filed as: FRIDAY FLATT | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $20 | $9 | $29 | 0.02% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $24 | $4 | $28 | 0.02% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $26 | — | $26 | 0.01% |
| JOAN A FARNHAM3 | 5138 39TH ST W BRADENTON, FL 34210 | AFLAC | $25 | — | $25 | 0.01% |
| RICHARD P MACKIEWICZ3 | 11477 SHEFFIELD RD SPRING HILL, FL 34608 | AFLAC | $25 | — | $25 | 0.01% |
| PAMELA G GIORDANO3 | 5114 33RD ST E BRADENTON, FL 34203 | AFLAC | $24 | — | $24 | 0.01% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $14 | $9 | $23 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $19 | — | $19 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $19 | — | $19 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $19 | — | $19 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $18 | — | $18 | 0.01% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $18 | — | $18 | 0.01% |
| TIFFANY LEE ALLEN3 Filed as: TIFFANY ALLEN LLC | 4219 OVERLOOK DR NE ST PETERSBURG, FL 33703 | AFLAC | $13 | $4 | $17 | 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% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $11 | — | $11 | 0.01% |
| TIFFANY LEE ALLEN3 | 4219 OVERLOOK DR NE ST PETERSBURG, FL 33703 | AFLAC | $11 | — | $11 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE RD LITHIA, FL 33547 | AFLAC | $11 | — | $11 | 0.01% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $9 | — | $9 | 0.01% |
| JOSE L AVILA3 | 2310 FIRST ST APT 703 FORT MYERS, FL 33901 | AFLAC | $9 | — | $9 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $9 | — | $9 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS | 11032 58TH STREET CIR E PARRISH, FL 34219 | AFLAC | $9 | — | $9 | 0.01% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | 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% |
| ANGEL STOKEY3 | 15761 PRENTISS POINTE CIRCLE APT 102 FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.00% |
| SHANNON HERNANDEZ3 | PO BOX 203 BROOKSVILLE, FL 34605 | AFLAC | $5 | — | $5 | 0.00% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | — | $4 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 10722 NW 20TH DR. CORAL SPRINGS, FL 33071 | AFLAC | $4 | — | $4 | 0.00% |
| MATTHEW SHANE STRONG3 | 5628 SKINNER DR. APOLLLO BREACH, FL 33572 | AFLAC | $4 | — | $4 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS B HERBY3 | PO BOX 152832 CAPE CORAL, FL 33915 | AFLAC | $3 | — | $3 | 0.00% |
| LANA M KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $3 | — | $3 | 0.00% |
| NICOLE LYNN RIHANEK3 | 2311 MID LN APT 901 HOUSTON, TX 77027 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTHPORT, AA 35476 | AFLAC | $3 | — | $3 | 0.00% |
| SEAN E MORRES3 | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $3 | — | $3 | 0.00% |
| JACQUELINE WIER3 | 1326 CAPE CORAL PKWY E STE 1 CAPE CORAL, FL 33904 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $2 | — | $2 | 0.00% |
| FRANCIS V CRUZ3 | 19115 LIVINGSTON AVE LUTZ, FL 33559 | AFLAC | $0 | — | $0 | 0.00% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | 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 | 236 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $193K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $193K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $193K |
| Short-term disability | AFLAC | 182 | $178K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.