| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST TAMPA, FL 33606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 2.59% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON CO LLC | 4760 TAMIAMI TRL N STE 25 STE 25 NAPLES, FL 34103 | AFLAC | $2K | — | $2K | 2.43% |
| AILIN DURHAM3 Filed as: AILIN AVERHOFF | 2503 E 5TH ST LEHIGH ACRES, FL 33936 | AFLAC | $1K | $40 | $1K | 1.71% |
| SHELLEY HARTSELL3 | 17227 SHEARER RD DAVIDSON, NC 28036 | AFLAC | $1K | $97 | $1K | 1.65% |
| ROSE G MCLAUGHLIN3 | 337 COUNTRY CLUB DR NAPLES, FL 34110 | AFLAC | $1K | $90 | $1K | 1.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: MELANIE MARIE ROGERS | 14027 DANPARK LOOP FORT MYERS, FL 33912 | AFLAC | $768 | — | $768 | 0.97% |
| JAMIE HARTT3 | 29323 PELICAN DR PUNTA GORDA, FL 33982 | AFLAC | $656 | $19 | $675 | 0.85% |
| DONTA CHARLES3 | 16313 HALLATON DR HUNTERSVILLE, NC 28078 | AFLAC | $425 | $23 | $448 | 0.56% |
| RICHARD J ABBENANTE3 | 4727 MIRAGE BAY CIR UNIT 210 FORT MYERS, FL 33966 | AFLAC | $345 | $32 | $377 | 0.48% |
| DIXIE A SMITH3 | 114 MAIN AVE N FAYETTEVILLE, TN 37334 | AFLAC | $370 | — | $370 | 0.47% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $360 | — | $360 | 0.45% |
| MANUELA LLINAS OCHOA3 | 901 CYPRESS GROVE DR APT 203 POMPANO BEACH, FL 33069 | AFLAC | $337 | — | $337 | 0.42% |
| BRIONY PFLUEGER3 | 1714 SW 43RD LN CAPE CORAL, FL 33914 | AFLAC | $332 | — | $332 | 0.42% |
| MATTHEW G BURNSIDE3 | 8510 MCALPINE PARK DR STE 208 CHARLOTTE, NC 28211 | AFLAC | $300 | $23 | $323 | 0.41% |
| MALLIBIS FERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | AFLAC | $260 | $49 | $309 | 0.39% |
| LAC INSURANCE SERVICES3 | 1927 SE 8TH AVE CAPE CORAL, FL 33990 | AFLAC | $254 | — | $254 | 0.32% |
| CYNTHIA ALANE DAVIS3 | 2916 SE 159TH LANE RD SUMMERFIELD, FL 34491 | AFLAC | $231 | — | $231 | 0.29% |
| LUZ ELENA SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $183 | — | $183 | 0.23% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $151 | — | $151 | 0.19% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $141 | — | $141 | 0.18% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $114 | — | $114 | 0.14% |
| MELANIE H KELLEY3 | 8617 WALL TRIANA HWY HARVEST, AL 35749 | AFLAC | $113 | — | $113 | 0.14% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $107 | — | $107 | 0.13% |
| CINDY K RICHARDS3 | 114 WINDING WAY NORMANDY, TN 37360 | AFLAC | $103 | — | $103 | 0.13% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $101 | — | $101 | 0.13% |
| MITZIE B BLUE3 | 4880 WALLBURG LANDING ST APT 210 WINSTON SALEM, NC 27107 | AFLAC | $95 | — | $95 | 0.12% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $80 | — | $80 | 0.10% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $78 | — | $78 | 0.10% |
| LINDA F BEDGOOD3 | 1241 NW 85TH TER PLANTATION, FL 33322 | AFLAC | $72 | — | $72 | 0.09% |
| ERIN C TOMLINSON3 | 278 DRURY LN ALBERTVILLE, AL 35950 | AFLAC | $70 | — | $70 | 0.09% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $54 | — | $54 | 0.07% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37027 | AFLAC | $53 | — | $53 | 0.07% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $49 | — | $49 | 0.06% |
| JANE E TUCKER3 | 409 AMOS GAMBLE RD SHELBYVILLE, TN 37160 | AFLAC | $47 | — | $47 | 0.06% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 1205 HILLSBORO MILE #203 HILLSBORO BEACH, FL 33062 | AFLAC | $44 | — | $44 | 0.06% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $43 | — | $43 | 0.05% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $35 | — | $35 | 0.04% |
| DAVID KAFKA3 | 848 E PLANTATION CIR PLANTATION, FL 33324 | AFLAC | $33 | — | $33 | 0.04% |
| ORTS ENTERPRISES INC3 | 920 FLORAL BANK PT WOODSTOCK, TN 30188 | AFLAC | $32 | — | $32 | 0.04% |
| KIM J WILLIAMS3 | 2685 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $32 | — | $32 | 0.04% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $27 | — | $27 | 0.03% |
| JENNIE WALKER STILLS3 | 501 CLEAR WOOD CT WAXHAW, NC 28173 | AFLAC | $24 | — | $24 | 0.03% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DR HERMITAGE, TN 37076 | AFLAC | $24 | — | $24 | 0.03% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $24 | — | $24 | 0.03% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $23 | — | $23 | 0.03% |
| JOSEPH E PHILLIPS3 | 2118 AMBOY CT CHARLOTTE, NC 28205 | AFLAC | $22 | — | $22 | 0.03% |
| SUSAN E. KEELER3 Filed as: SUSAN E KEELER | 9216 64TH CT E PARRISH, FL 34219 | AFLAC | $22 | — | $22 | 0.03% |
| LUKE COPELAND3 | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $19 | — | $19 | 0.02% |
| CAROLYN S PIETRZAK3 | 18314 CAMSHIRE CT HUDSON, FL 34667 | AFLAC | $16 | — | $16 | 0.02% |
| ASHLEY P RADER3 | 230 BANKSHIRE RD BEECHGROVE, TN 37018 | AFLAC | $14 | — | $14 | 0.02% |
| KATHERINE L SIMOS3 | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $14 | — | $14 | 0.02% |
| JANET LYNN BOMWELL3 | 3652 CINCINNATI ST NORTH PORT, FL 34286 | AFLAC | $13 | — | $13 | 0.02% |
| OLGA CORNIDE TEAKELL3 | 184 ELMWOOD LN NAPLES, FL 34112 | AFLAC | $13 | — | $13 | 0.02% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $11 | — | $11 | 0.01% |
| DONALD HUDSON3 | 8010 N CREEK WAY CITRUS SPRINGS, FL 34434 | AFLAC | $11 | — | $11 | 0.01% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 501 CLEAR WOOD CT WAXHAW, NC 28173 | AFLAC | $11 | — | $11 | 0.01% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $10 | — | $10 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TX 37215 | AFLAC | $10 | — | $10 | 0.01% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $10 | — | $10 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERV INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $10 | — | $10 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $9 | — | $9 | 0.01% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $8 | — | $8 | 0.01% |
| BABARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $8 | — | $8 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $7 | — | $7 | 0.01% |
| CHAD JACOBSEN3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $7 | — | $7 | 0.01% |
| ANGEL E HILL3 | 24921 NE 136TH LN SALT SPRINGS, FL 32134 | AFLAC | $6 | — | $6 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $6 | — | $6 | 0.01% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $6 | — | $6 | 0.01% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $5 | — | $5 | 0.01% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $4 | — | $4 | 0.01% |
| INFINITY BENEFIT SOLUTIONS INC3 | 7962 NW 7TH CT PLANTATION, FL 33324 | AFLAC | $3 | — | $3 | 0.00% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $3 | — | $3 | 0.00% |
| ALVIN J LILLEY3 | 1011A NYE DR ALEXANDRIA, LA 71303 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 27251 WESLEY CHAPEL BLVD STE B 14 #753 WESLEY CHAPEL, FL 33544 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $2 | — | $2 | 0.00% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 STE 101 FAYETTEVILLE, VA 28314 | AFLAC | $2 | — | $2 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | — | $2 | 0.00% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 149 MALIBU RD MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $1 | — | $1 | 0.00% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANE COMP EIN 59-1031071 NONE | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $57K |
| CIGNA | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $0 |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 376 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $269K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $269K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $269K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $348K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $269K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 77 | $445K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 320 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.