| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 4.97% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | HEALTH OPTIONS, INC | $15K | — | $15K | 5.57% |
| BENEFIT PRODUCERS, LLC3 | 7020 PROFESSIONAL PKWY E SUITE 100 SARASOTA, FL 34240 | GUARDIAN | $3K | — | $3K | 6.95% |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | $260 | $79 | $339 | 4.11% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $163 | $13 | $176 | 2.13% |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | AFLAC | $110 | — | $110 | 1.33% |
| NICOLE LYNN RIHANEK3 | 5535 NIGHT OWL TER PALMETTO, FL 34221 | AFLAC | $77 | $13 | $90 | 1.09% |
| SHANE F LAMAY3 | 2325 TANGERINE DR SARASOTA, FL 34239 | AFLAC | $23 | — | $23 | 0.28% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $21 | — | $21 | 0.25% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $20 | — | $20 | 0.24% |
| RANDALL BARTLEIN3 Filed as: RANDALL J BARTLEIN | 2831 RINGLING BLVD STE B203 SARASOTA, FL 34237 | AFLAC | $16 | — | $16 | 0.19% |
| VOLUNTARY BENEFITS DONE RIGHT3 | 1400 MUSTANG ST NOKOMIS, FL 34275 | AFLAC | $9 | — | $9 | 0.11% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $5 | — | $5 | 0.06% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $4 | — | $4 | 0.05% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY GLENN YARNISH | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $2 | — | $2 | 0.02% |
| TOM FARRELL CONWAY3 | 13123 BLISS LOOP BRADENTON, FL 34211 | AFLAC | $1 | — | $1 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $1 | — | $1 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $1 | — | $1 | 0.01% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $1 | — | $1 | 0.01% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | USABLE LIFE | $417 | — | $417 | 11.84% |
| BENEFIT PRODUCERS, LLC3 | 7020 PROFESSIONAL PKWY SUITE 100 SARASOTA, FL 34240 | BENEFIT INTELLIGENCE | $388 | — | $388 | 538.89% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 43 | $788K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 76 | $56K |
| Vision | GUARDIAN | 76 | $48K |
| Life insurance | USABLE LIFE | 124 | $4K |
| Short-term disability | AFLAC | 15 | $8K |
| Prescription drug | HEALTH OPTIONS, INC | 23 | $278K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.