| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | HUMANA MEDICAL PLAN, INC. | $32K | $3K | $35K | 4.21% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.47% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 201629 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.46% |
| GINA GEIGER ENTERPRISES LLC3 Filed as: GINA GEIGER ENTERPRISES, LLC | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | AFLAC | $235 | $52 | $287 | 5.65% |
| MICHAEL SCOTT SNYDER3 | 4812 NORTH RIVER SHORE DRIVE TAMPA, FL 33603 | AFLAC | $248 | $29 | $277 | 5.45% |
| MJ INSURANCE3 Filed as: DEBORAH P. BLACK AND VARIOUS AGENTS | 5509 FORESTER POND AVENUE SARASOTA, FL 34243 | AFLAC | $182 | $26 | $208 | 4.10% |
| JASON TERRY3 | 19337 PADDOCK VIEW DRIVE TAMPA, FL 33647 | AFLAC | $57 | $10 | $67 | 1.32% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 8600 HIDDEN RIVER PARKWAY, SUITE 75 TAMPA, FL 33637 | AFLAC | $47 | $10 | $57 | 1.12% |
| MARY BARTLEIN3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $54 | — | $54 | 1.06% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | AFLAC | $43 | $5 | $48 | 0.95% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 144 | $833K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $88K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $88K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $64K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 144 | $833K |
| Other(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 152 | $902K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.