| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | HEALTH OPTIONS | $23K | — | $23K | 6.00% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 6.00% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E SUITE 100 SARASOTA, FL 34240 | GUARDIAN | $3K | $2K | $6K | 10.62% |
| DOUGLAS A SMOOT3 | 3714 65TH AVE E SARASOTA, FL 34243 | AFLAC | $1K | — | $1K | 8.89% |
| IBUSINESS SOLUTIONS INC3 | 7020 PROFESSIONAL PKWY STE 100 SARASOTA, FL 34240 | AFLAC | $679 | — | $679 | 4.84% |
| JENNIFER FRANCEY TAGGART3 | 6405 CORAL CREEK CT ELLENTON, FL 34222 | AFLAC | $388 | — | $388 | 2.76% |
| NICOLE LYNN RIHANEK3 | 1205 2ND AVE E UNIT 4312 BRADENTON, FL 34208 | AFLAC | $214 | — | $214 | 1.52% |
| SHANE F LAMAY3 | 2517 CATTLEMEN RD UNIT 6301 SARASOTA, FL 34232 | AFLAC | $52 | — | $52 | 0.37% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $50 | — | $50 | 0.36% |
| VOLUNTARY BENEFITS DONE RIGHT3 | 1400 MUSTANG ST NOKOMIS, FL 34275 | AFLAC | $42 | — | $42 | 0.30% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $34 | — | $34 | 0.24% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $31 | — | $31 | 0.22% |
| JOAN A FARNHAM3 | 113 BROOKWOOD DR THOMASVILLE, GA 31792 | AFLAC | $21 | — | $21 | 0.15% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $19 | — | $19 | 0.14% |
| TOM FARRELL CONWAY3 | 13123 BLISS LOOP BRADENTON, FL 34211 | AFLAC | $10 | — | $10 | 0.07% |
| ERIC B MATHIS3 | 5310 HADEN BLVD SARASOTA, FL 34232 | AFLAC | $8 | — | $8 | 0.06% |
| MARK J JELLEMA3 | 12521 HONORE AVE APT 116 SARASOTA, FL 34238 | AFLAC | $6 | — | $6 | 0.04% |
| REBECCA A MCQUILLEN3 | 1108 67TH STREET CT E BRADENTON, FL 34208 | AFLAC | $6 | — | $6 | 0.04% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY GLENN YARNISH | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | AFLAC | $3 | — | $3 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $2 | — | $2 | 0.01% |
| JESSICA RAE ESKEW3 | 10426 SPRINGROSE DR TAMPA, FL 33626 | AFLAC | $2 | — | $2 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $2 | — | $2 | 0.01% |
| RANDALL BARTLEIN3 Filed as: RANDALL J BARTLEIN | 2831 RINGLING BLVD STE B203 SARASOTA, FL 34237 | AFLAC | $2 | — | $2 | 0.01% |
| FRANCIS V CRUZ3 | PO BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $1 | — | $1 | 0.01% |
| KITCHNER & ASSOCIATES INC3 | 7020 PROFESSIONAL PKWY E STE 100 SARASOTA, FL 34240 | USABLE LIFE | $381 | — | $381 | 12.07% |
| BENEFITMALL3 | 5237 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | USABLE LIFE | $44 | — | $44 | 1.39% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $32 | — | $32 | 1.01% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 31 | $337K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 79 | $67K |
| Vision | GUARDIAN | 79 | $53K |
| Life insurance | USABLE LIFE | 98 | $3K |
| Short-term disability | AFLAC | 18 | $14K |
| Prescription drug | HEALTH OPTIONS | 41 | $376K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 98 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.