| 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 | $19K | $12K | $31K | 15.53% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $834 | — | $834 | 0.42% |
| GRETCHEN C SAX3 | 14620 BALD EAGLE DR FORT MYERS, FL 33912 | AFLAC | $17K | $870 | $18K | 10.10% |
| JAMIE HARTT3 | 23285 WILBER AVE PORT CHARLOTTE, FL 33980 | AFLAC | $3K | $174 | $3K | 1.85% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD SUITE 200 FORT MYERS, FL 33966 | AFLAC | $933 | — | $933 | 0.51% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $674 | $180 | $854 | 0.47% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $566 | — | $566 | 0.31% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANN DAVIDSON | 2201 MAJESTIC CT S NAPLES, FL 34110 | AFLAC | $564 | — | $564 | 0.31% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANN DAVIDSON | 206 WILLOWICK DR NAPLES, FL 34110 | AFLAC | $462 | $32 | $494 | 0.27% |
| BARBARA J DYE3 | 1834 LAKE BLVD N FT MYERS, FL 33903 | AFLAC | $421 | — | $421 | 0.23% |
| LARRY D DENNY3 Filed as: LARRY J MOORE | 3270 HAMPTON BLVD ALVA, FL 33920 | AFLAC | $387 | — | $387 | 0.21% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DR KINGWOOD, TX 77339 | AFLAC | $255 | — | $255 | 0.14% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $255 | — | $255 | 0.14% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $209 | — | $209 | 0.12% |
| ERIC W HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $170 | — | $170 | 0.09% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $159 | — | $159 | 0.09% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $152 | — | $152 | 0.08% |
| KELLI RUFFINO3 Filed as: KELLI D RUFFINO | 2011 SW 8TH PL CAPE CORAL, FL 33991 | AFLAC | $103 | — | $103 | 0.06% |
| SCOTT BLACK3 | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $99 | — | $99 | 0.05% |
| J W GRIMES INC3 Filed as: JW GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $89 | — | $89 | 0.05% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE SUITE 900 ATLANTA, GA 30339 | AFLAC | $85 | — | $85 | 0.05% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 28 GEORGETOWN FORT MYERS, FL 33919 | AFLAC | $83 | — | $83 | 0.05% |
| CASE PEARLMAN CORP BENEFITS INC3 | 12140 CARISSA COMMERCE CT. STE 104 FORT MYERS, FL 33966 | AFLAC | $75 | — | $75 | 0.04% |
| VERTICH INS AGCY INC3 | 6379 MORGAN LA FEE LN FORT MYERS, FL 33912 | AFLAC | $73 | — | $73 | 0.04% |
| JENNIFER A LECLAIRE3 | 28 GEORGETOWN FORT MYERS, FL 33919 | AFLAC | $73 | — | $73 | 0.04% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $72 | — | $72 | 0.04% |
| CHRISTINA HAGAR3 | 12639 DAISY PL BRADENTON, FL 34212 | AFLAC | $63 | — | $63 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CRAIG H BROWN | 2450 WINDROW DR UNIT D101 FORT COLLINS, CO 80525 | AFLAC | $62 | — | $62 | 0.03% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $61 | — | $61 | 0.03% |
| ARASAY LOPEZ3 | 17000 NW 89TH AVE HIALEAH, FL 33018 | AFLAC | $55 | — | $55 | 0.03% |
| SAMANTHA J AYBAR3 | 15433 CORTONA WAY NAPLES, FL 34120 | AFLAC | $52 | — | $52 | 0.03% |
| ANNE MARIE M CARTIER3 | 2465 AINSWORTH AVE DELTONA, FL 32738 | AFLAC | $50 | — | $50 | 0.03% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $47 | — | $47 | 0.03% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $45 | — | $45 | 0.02% |
| WILLIAM P. HILL3 Filed as: WILLIAM P HILL | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $35 | — | $35 | 0.02% |
| POORAK BEEMA LLC3 | 175 STRAFFORD AVE STE 1 #223 WAYNE, PA 19087 | AFLAC | $34 | — | $34 | 0.02% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $29 | — | $29 | 0.02% |
| JEANNE CARLONE3 Filed as: JEANNE M CARLONE | 1102 SWEET HILL DR JUPITER, FL 33458 | AFLAC | $28 | — | $28 | 0.02% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $27 | — | $27 | 0.01% |
| PAMELA G GIORDANO3 | 5114 33RD ST E BRADENTON, FL 34203 | AFLAC | $26 | — | $26 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $23 | — | $23 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $20 | — | $20 | 0.01% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $20 | — | $20 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $18 | — | $18 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $18 | — | $18 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $18 | — | $18 | 0.01% |
| FRIDAY CD FLATT3 Filed as: C-D FRIDAY FLATT | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $18 | — | $18 | 0.01% |
| MICHELL L VAZQUEZ3 | 18091 TRAVERSE DR ALVA, FL 33920 | AFLAC | $16 | — | $16 | 0.01% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $16 | — | $16 | 0.01% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $15 | — | $15 | 0.01% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $15 | — | $15 | 0.01% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS CT FT MYERS, FL 33907 | AFLAC | $13 | — | $13 | 0.01% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $13 | — | $13 | 0.01% |
| FRIDAY CD FLATT3 Filed as: FRIDAY FLATT | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $13 | — | $13 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $10 | — | $10 | 0.01% |
| PAUL A HARRIS INC3 | 4560 VIA ROYALE STE 4B FORT MYERS, FL 33919 | AFLAC | $10 | — | $10 | 0.01% |
| LTC INS & FIN PARTNERS INC3 | 6203 MARINA DR HOLMES BEACH, FL 34217 | AFLAC | $9 | — | $9 | 0.00% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $9 | — | $9 | 0.00% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | 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% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | 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 | $7 | — | $7 | 0.00% |
| DONNA G SMITH3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $7 | — | $7 | 0.00% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $6 | — | $6 | 0.00% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $5 | — | $5 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS | 11032 58TH STREET CIR E PARRISH, FL 34219 | AFLAC | $4 | — | $4 | 0.00% |
| JULIE W CRAIG3 | 10722 NW 20TH DR. CORAL SPRINGS, FL 33071 | AFLAC | $4 | — | $4 | 0.00% |
| THOMAS B HERBY3 | PO BOX 152832 CAPE CORAL, FL 33915 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | — | $3 | 0.00% |
| LANA M KLIMEK3 | 605 WOODRIDGE DR LITTLE ELM, TX 75068 | AFLAC | $3 | — | $3 | 0.00% |
| TIFFANY LEE ALLEN3 Filed as: TIFFANY ALLEN LLC | 4219 OVERLOOK DR NE ST PETERSBURG, FL 33703 | AFLAC | $3 | — | $3 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON LLC3 | 5445 OTC PARKWAY SUITE 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | — | $1 | 0.00% |
| GARY W JOHNSON3 | 802 LITTLE CREEK RD ANDERSON, SC 29621 | AFLAC | $1 | — | $1 | 0.00% |
| FRANCIS V CRUZ3 | 150 MAPLE DR WEXFORD, PA 15090 | 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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $197K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $197K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $197K |
| Short-term disability | AFLAC | 176 | $181K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.