| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASE BENEFIT CONSULTANTS3 | 4760 TAMIAMI TRAIL NORTH, STE 25 NAPLES, FL 34103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.46% |
| BRIONY PFLUEGER3 | 14021 BENTLY CIR FORT MYERS, FL 33912 | AFLAC | $3K | $84 | $3K | 4.71% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $1K | $5 | $1K | 1.81% |
| LAC INSURANCE SERVICES3 | 1927 SE 8TH AVE CAPE CORAL, FL 33990 | AFLAC | $1K | $37 | $1K | 1.76% |
| SHELLEY HARTSELL3 | 8735 WEST MORELAND LAKE DR CORNELIUS, NC 28031 | AFLAC | $805 | $67 | $872 | 1.43% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $548 | $38 | $586 | 0.96% |
| MANUELA LLINAS OCHOA3 | 901 CYPRESS GROVE DR 203 POMPANO BEACH, FL 33069 | AFLAC | $436 | $23 | $459 | 0.75% |
| DIXIE A SMITH3 | 114 MAIN AVE N FAYETTEVILLE, TN 37334 | AFLAC | $280 | $125 | $405 | 0.67% |
| CYNTHIA ALANE DAVIS3 Filed as: CYNTHIA DAVIS | 2916 SE 159TH LANE RD SUMMERFIELD, FL 34491 | AFLAC | $365 | $0 | $365 | 0.60% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $340 | $0 | $340 | 0.56% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $335 | $0 | $335 | 0.55% |
| LUZ ELENA SERVI3 | 11398 CEDAR LOG CT LAS VEGAS, NV 89135 | AFLAC | $274 | $0 | $274 | 0.45% |
| DAVID KAISER3 | 3090 WINDSONG CT UNIT 102 NAPLES, FL 34109 | AFLAC | $233 | $10 | $243 | 0.40% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $240 | $0 | $240 | 0.39% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | AFLAC | $237 | $0 | $237 | 0.39% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $183 | $0 | $183 | 0.30% |
| JENNIE WALKER STILLS3 | 501 CLEAR WOOD CT WAXHAW, NC 28173 | AFLAC | $169 | $13 | $182 | 0.30% |
| JOHN ROGER MYERS3 | PO BOX 669 STATESVILLE, NC 28687 | AFLAC | $175 | $0 | $175 | 0.29% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $168 | $0 | $168 | 0.28% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DR NAPLES, FL 34104 | AFLAC | $160 | $0 | $160 | 0.26% |
| JONATHAN P DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $138 | $13 | $151 | 0.25% |
| LINDA F BEDGOOD3 | 1241 NW 85TH TER PLANTATION, FL 33322 | AFLAC | $145 | $0 | $145 | 0.24% |
| L A D FINANCIAL CORP3 | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $139 | $0 | $139 | 0.23% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $115 | $0 | $115 | 0.19% |
| DONNA R MYERS3 | PO BOX 669 STATESVILLE, NC 28687 | AFLAC | $108 | $0 | $108 | 0.18% |
| ORTS ENTERPRISES INC3 | 8350 SANDS POINT BLVD E106 TAMARAC, FL 33321 | AFLAC | $108 | $0 | $108 | 0.18% |
| TIMOTHY MCANDREWS3 | 51 MEADOWBROOK RD RANDOLPH, NJ 07869 | AFLAC | $106 | $0 | $106 | 0.17% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVE STE G03 RALEIGH, NC 27612 | AFLAC | $90 | $11 | $101 | 0.17% |
| KIM J WILLIAMS3 | 1276 SEA GATE DR NEWPORT, NC 28570 | AFLAC | $97 | $0 | $97 | 0.16% |
| JERRY BLUE3 | 1200 EASTCHESTER DR STE 204 HIGH POINT, NC 27265 | AFLAC | $70 | $0 | $70 | 0.12% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $62 | $0 | $62 | 0.10% |
| NANCY HUFF3 | 131 PLANTATION RIDGE DR STE 310 MOORESVILLE, NC 28117 | AFLAC | $61 | $0 | $61 | 0.10% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $57 | $0 | $57 | 0.09% |
| SUSAN E. KEELER3 Filed as: SUSAN E KEELER | 9222 54TH CT E PARRISH, FL 34219 | AFLAC | $49 | $0 | $49 | 0.08% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | AFLAC | $45 | $0 | $45 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $45 | $0 | $45 | 0.07% |
| STEVEN E DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $41 | $0 | $41 | 0.07% |
| OLGA CORNIDE TEAKELL3 | 184 ELMWOOD LN NAPLES, FL 34112 | AFLAC | $38 | $0 | $38 | 0.06% |
| INFINITY BENEFIT SOLUTIONS INC3 | 7962 NW 7TH CT PLANTATION, FL 33324 | AFLAC | $38 | $0 | $38 | 0.06% |
| ORTS ENTERPRISES INC3 | 8350 SANDS POINT BLVD APT E106 TAMARAC, FL 33321 | AFLAC | $32 | $0 | $32 | 0.05% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $30 | $0 | $30 | 0.05% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $27 | $0 | $27 | 0.04% |
| LUKE COPELAND3 | 519 WELLS RD ST B4 MERIDIANVILLE, AL 35759 | AFLAC | $26 | $0 | $26 | 0.04% |
| DANIEL A VERDUN3 | 43 HANCOCK DR MORRISTOWN, NJ 07960 | AFLAC | $25 | $0 | $25 | 0.04% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $25 | $0 | $25 | 0.04% |
| CARMEN VILLAS3 | 269 MARACA ST PUNTA GORDA, FL 33983 | AFLAC | $22 | $0 | $22 | 0.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERV INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $18 | $0 | $18 | 0.03% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $15 | $0 | $15 | 0.02% |
| MITZIE B BLUE3 | 750 YOUNGER PL HIGH POINT, NC 27265 | AFLAC | $14 | $0 | $14 | 0.02% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $14 | $0 | $14 | 0.02% |
| KATHERINE L SIMOS3 | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $14 | $0 | $14 | 0.02% |
| DONALD HUDSON3 | 8010 N CREEK WAY CITRUS SPRINGS, FL 34434 | AFLAC | $13 | $0 | $13 | 0.02% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $11 | $0 | $11 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $10 | $0 | $10 | 0.02% |
| CHAD JACOBSEN3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $9 | $0 | $9 | 0.01% |
| CHAD JACOBSEN3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $9 | $0 | $9 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $7 | $0 | $7 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $7 | $0 | $7 | 0.01% |
| ANGEL E HILL3 | 4125 SE 23RD TER OCALA, FL 34480 | AFLAC | $6 | $0 | $6 | 0.01% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 STE 101 FAYETTEVILLE, VA 28314 | AFLAC | $6 | $0 | $6 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 STE 101 GLEN ALLEN, VA 23059 | AFLAC | $6 | $0 | $6 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $5 | $0 | $5 | 0.01% |
| JAY S OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | $0 | $5 | 0.01% |
| ALVIN J LILLEY3 | 8066 OLD REIDSVILLE RD BROWNS SUMMIT, NC 27214 | AFLAC | $3 | $0 | $3 | 0.00% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $2 | $0 | $2 | 0.00% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $2 | $0 | $2 | 0.00% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | $0 | $2 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIR DAVIDSON, NC 28036 | AFLAC | $2 | $0 | $2 | 0.00% |
| DE VITA B MCKENZIE3 | 733 BISHOP ST STE 2530 HONOLULU, HI 96813 | AFLAC | $2 | $0 | $2 | 0.00% |
| DE VITA B MCKENZIE3 | 110 SE 6TH ST STE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $2 | $0 | $2 | 0.00% |
| DE VITA B MCKENZIE3 | 1050 BISHOP ST STE 120 HONOLULU, HI 96813 | AFLAC | $2 | $0 | $2 | 0.00% |
| ERIN C TOMLINSON3 | 109 MOONGLOW TRL HUNTSVILLE, NC 28078 | AFLAC | $2 | $0 | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERTO L GOMEZ3 | 1488 CORONADO RD WESTON, FL 33327 | AFLAC | $1 | $0 | $1 | 0.00% |
| PATRICIA ACKERMAN3 | 1863 NW 96TH AVE PLANTATION, FL 33322 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $1 | $0 | $1 | 0.00% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 100 W CYPRESS CREEK RD STE 630 FT LAUDERDALE, FL 33309 | AFLAC | $1 | $0 | $1 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AK 35661 | AFLAC | $1 | $0 | $1 | 0.00% |
| REID ALFORD3 Filed as: REID W ALFORD | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANE COMP EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $25K |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 425 | $656K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $202K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $202K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $202K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $263K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $202K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
No prospect flags tripped on this filing.