| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASE BENEFIT CONSULTANTS3 | 4760 TAMIAMI TRAIL NORTH, STE 25 NAPLES, FL 34103 | CIGNA HEALTH AND LIFE INURANCE COMPANY | $5K | — | $5K | 1.18% |
| CASE BENEFIT CONSULTANTS3 | 4760 TAMIAMI TRAIL NORTH, STE 25 NAPLES, FL 34103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.07% |
| MANUELA LLINAS OCHOA3 | 901 CYPRESS GROVE DR 203 PAMPANO BEACH, FL 33069 | AFLAC | $2K | $200 | $2K | 2.80% |
| OLGA CORNIDE TEAKELL3 | 184 ELMWOOD LN NAPLES, FL 34112 | AFLAC | $1K | $2 | $1K | 1.76% |
| SHELLEY HARTSELL3 | 8735 WEST MORELAN LAKE DR CORNELIUS, NC 28031 | AFLAC | $1K | — | $1K | 1.69% |
| LUZ ELENA SERVI3 | 6421 CONGRESS AVE, STE 100 BOCA RATON, FL 33487 | AFLAC | $1K | $14 | $1K | 1.56% |
| CYNTHIA ALANE DAVIS3 Filed as: CYNTHIA DAVIS | 2916 SE 159TH LANE RD SUMMERFIELD, FL 34491 | AFLAC | $830 | $95 | $925 | 1.40% |
| CARMEN VILLAS3 | 269 MARACA ST PUNTA GORDA, FL 33983 | AFLAC | $714 | — | $714 | 1.08% |
| STEVE D SERVI3 | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $595 | $80 | $675 | 1.02% |
| DONNA R MYERS3 | P.O. BOX 669 STATESVILLE, NC 28687 | AFLAC | $353 | $49 | $402 | 0.61% |
| LINDA F BEDGOOD3 | 8900 NW 21ST CT PEMBROKE PINES, FL 33024 | AFLAC | $164 | $132 | $296 | 0.45% |
| LAC INSURANCE SERVICES3 | 1927 SE 8TH AVE CAPE CORAL, FL 33990 | AFLAC | $292 | — | $292 | 0.44% |
| LUZ ELENA SERVI3 | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC | $219 | $66 | $285 | 0.43% |
| MITZIE B BLUE3 Filed as: MITZIE B. BLUE | 750 YOUNGER PLACE HIGH POINT, NC 27265 | AFLAC | $268 | — | $268 | 0.41% |
| MARIA C ORTIZ3 | 7400 SW 50 TR SUITE 300 MIAMI, FL 33155 | AFLAC | $250 | — | $250 | 0.38% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | AFLAC | $250 | — | $250 | 0.38% |
| L A D FINANCIAL CORP3 | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $216 | — | $216 | 0.33% |
| NANCY HUFF3 | 131 PLANTATION RIDGE DR STE 310 MOORESVILLE, NC 28117 | AFLAC | $194 | $20 | $214 | 0.32% |
| JOHN ROGER MYERS3 | P.O. BOX 669 STATESVILLE, NC 28687 | AFLAC | $139 | $49 | $188 | 0.28% |
| JONATHAN P DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $166 | — | $166 | 0.25% |
| OLGA CORDINDE TEAKELL3 | 1771 10TH AVE NE NAPLES, FL 34120 | AFLAC | $129 | — | $129 | 0.20% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $106 | $20 | $126 | 0.19% |
| MITZIE B BLUE3 | 750 YOUNGER PLACE HIGH POINT, NC 27265 | AFLAC | $117 | — | $117 | 0.18% |
| JERRY BLUE3 | 1200 EAST CHESTER DRIVE, STE 204 HIGH POINT, NC 27265 | AFLAC | $105 | — | $105 | 0.16% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIR VALDOSTA, GA 31602 | AFLAC | $101 | — | $101 | 0.15% |
| TIMOTHY MCANDREWS3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $101 | — | $101 | 0.15% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $94 | — | $94 | 0.14% |
| L A D FINANCIAL CORP3 | 3800 N OCEAN DR APT 1450 SINGER ISLAND, FL 33404 | AFLAC | $91 | — | $91 | 0.14% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $91 | — | $91 | 0.14% |
| BRENDA LYNN GARRETT3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $90 | — | $90 | 0.14% |
| SUSAN E. KEELER3 Filed as: SUSAN E KEELER | 9222 54TH H CT E PARRISH, FL 34219 | AFLAC | $85 | — | $85 | 0.13% |
| STEVEN E DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $73 | — | $73 | 0.11% |
| BRIONY PFLUEGER3 | 14021 BENTLY CIR FORT MYERS, FL 33912 | AFLAC | $70 | — | $70 | 0.11% |
| KATHERINE L SIMOS3 Filed as: KATHERINE L. SIMOS | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $69 | — | $69 | 0.10% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $60 | — | $60 | 0.09% |
| INFINITY BENEFIT SOLUTIONS INC3 Filed as: INFINITY BENEFIT SOLUTIONS INC. | 7962 NW 7TH CT PLANTATION, FL 33324 | AFLAC | $54 | — | $54 | 0.08% |
| KIM J WILLIAMS3 | 1276 SEA GATE DR NEWPORT, NC 28570 | AFLAC | $50 | — | $50 | 0.08% |
| CHAD JACOBSEN3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $50 | — | $50 | 0.08% |
| ORTS ENTERPRISES INC3 | 8350 SANDS POINT BLVD E106 TAMARAC, FL 33321 | AFLAC | $43 | — | $43 | 0.07% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33929 | AFLAC | $43 | — | $43 | 0.07% |
| DONALD HUDSON3 | 8010 N CREEK WAY CITRUS SPRINGS, FL 33114 | AFLAC | $35 | $6 | $41 | 0.06% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $41 | — | $41 | 0.06% |
| LINDA F BEDGOOD3 | 8131 NW 16TH ST PEMBROKE PINES, FL 33024 | AFLAC | $38 | — | $38 | 0.06% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $31 | — | $31 | 0.05% |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $31 | — | $31 | 0.05% |
| DANIEL A VERDUN3 | 1106 GATES CT MORRIS PLAINS, NJ 07950 | AFLAC | $28 | — | $28 | 0.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVI INC | P.O. BOX 632886 CINCINNATI, OH 45263 | AFLAC | $27 | — | $27 | 0.04% |
| JAMES R HILL JR3 | P.O. BOX 13272 GREENSBORO, NC 27415 | AFLAC | $24 | — | $24 | 0.04% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $18 | — | $18 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $18 | — | $18 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $17 | — | $17 | 0.03% |
| ANGEL E HILL3 | 520 E FORT KING ST STE B4 OCALA, FL 34471 | AFLAC | $16 | — | $16 | 0.02% |
| ANGEL E HILL3 | 520 E FORT KING ST ST B4 OCALA, FL 34471 | AFLAC | $8 | $6 | $14 | 0.02% |
| TIMOTHY MCANDREWS3 | 51 MEADOWBROOKS RD RANDOLPH, NJ 07869 | AFLAC | $14 | — | $14 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH STREET FORT LAUDERDALE, FL 33384 | AFLAC | $14 | — | $14 | 0.02% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $14 | — | $14 | 0.02% |
| DAVID KAISER3 | 3090 WINDSONG CT UNIT 102 NAPLES, FL 34109 | AFLAC | $14 | — | $14 | 0.02% |
| FRED A KRESSATY3 | 155 PARISH DRIVE WAYNE, NJ 07470 | AFLAC | $13 | — | $13 | 0.02% |
| FRED A KRESSATY3 | 155 PARISH DRIVE WAYNE, NJ 07470 | AFLAC | $13 | — | $13 | 0.02% |
| CHAD JACOBSEN3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33928 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $9 | — | $9 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 STE 101 GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.01% |
| AILEEN KEENAN3 | 9603 NW 36TH CT CORAL SPRING, FL 33065 | AFLAC | $7 | — | $7 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $7 | — | $7 | 0.01% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $6 | — | $6 | 0.01% |
| ALVIN J LILLEY3 | 8066 OLD REIDSVILLE RD BROWNS SUMMIT, NC 27214 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERTO L GOMEZ3 | 1488 CORONADO RD WESTON, FL 33327 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $4 | — | $4 | 0.01% |
| PATRICIA ACKERMAN3 | 1863 NW 96TH AVE PLANTATION, FL 33322 | AFLAC | $3 | — | $3 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $3 | — | $3 | 0.00% |
| DE VITA B MCKENZIE3 | 110 SE 6TH ST STE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $2 | — | $2 | 0.00% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $2 | — | $2 | 0.00% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $2 | — | $2 | 0.00% |
| MELISSA A SCHOFIELD3 | 34 WATCH HILL DR MIDDLETON, CT 06457 | AFLAC | $1 | — | $1 | 0.00% |
| ELIZABETH CUSHING3 | 7910 MORRELL LANE DURHAM, NC 27713 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.00% |
| BRANDON C ADAMS3 | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANE COMP EIN 59-1031071 NONE | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | — | $31K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INURANCE COMPANY | 268 | $424K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $84K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $84K |
| Short-term disability | AFLAC | 86 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $84K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.