| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 | 9310 OLD KINGS ROAD S SUITE 301 JACKSONVILLE, FL 32257 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $1K | $48K | 12.49% |
| MICHAEL DEVAUX3 | 9310 OLD KINGS ROAD S SUITE 301 JACKSONVILLE, FL 32257 | UNITED CONCORDIA INSURANCE COMPANY | $21K | $0 | $21K | 15.01% |
| KEYSTONE BENEFIT GROUP3 | 9310 OLD KINGS ROAD S SUITE 301 JACKSONVILLE, FL 32257 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| KEYSTONE BENEFIT GROUP3 | 9310 OLD KINGS ROAD S SUITE 301 JACKSONVILLE, FL 32257 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| KEYSTONE BENEFIT GROUP3 | 9310 OLD KINGS ROAD S SUITE 301 JACKSONVILLE, FL 32257 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| TRACY REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $1K | — | $1K | 6.36% |
| KEYSTONE BENEFIT GROUP3 | 9310 OLD KINGS ROAD SUITE 301 JACKSONVILLE, FL 32257 | AFLAC | $809 | — | $809 | 3.46% |
| KAREN PICCININI3 Filed as: KAREN DEVINE | 21071 LARKSPUR CT LEONARDTOWN, MD 20650 | AFLAC | $135 | — | $135 | 0.58% |
| THOMAS ASSOCIATES LLC3 Filed as: THOMAS ASSOCIATES | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $104 | — | $104 | 0.45% |
| PETER HAGER3 | 4660 NOTTINGHAM RD JACKSONVILLE, FL 32210 | AFLAC | $90 | — | $90 | 0.39% |
| LUZ SERVI3 | 11398 CEDAR LOG CT LAS VEGAS, NV 89135 | AFLAC | $58 | — | $58 | 0.25% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $57 | — | $57 | 0.24% |
| MICHELLE HASKELL3 | PO BOX 440307 JACSONVILLE, FL 32222 | AFLAC | $39 | — | $39 | 0.17% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $33 | — | $33 | 0.14% |
| SUWAT ASSAWAMATIYANONT3 Filed as: SUWAT ASSAWAMATITYANONT | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $30 | — | $30 | 0.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $28 | — | $28 | 0.12% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP ROAD WARRENTON, VA 20186 | AFLAC | $26 | — | $26 | 0.11% |
| RICHARD MOSELEY JR3 Filed as: RICHARD MOSELEY | 10206 N HAMPTON LN FREDERICKSBURG, VA 22408 | AFLAC | $24 | — | $24 | 0.10% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST STE 300 LEESBURG, VA 22408 | AFLAC | $24 | — | $24 | 0.10% |
| DAVID MARKS3 | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $19 | — | $19 | 0.08% |
| J ELLIS INSURANCE AGENCY INC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $19 | — | $19 | 0.08% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DRI SUITE 102 LAUREL, MD 20707 | AFLAC | $13 | — | $13 | 0.06% |
| ASSURANCE AGENCY LTD3 Filed as: SELPH ASSURANCE GROUP LLC | 8006 SAN CARLOS DR FORT PIERCE, FL 34951 | AFLAC | $11 | — | $11 | 0.05% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $10 | — | $10 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $10 | — | $10 | 0.04% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $9 | — | $9 | 0.04% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $6 | — | $6 | 0.03% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BLVD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $5 | — | $5 | 0.02% |
| FRANCE SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $5 | — | $5 | 0.02% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $4 | — | $4 | 0.02% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | — | $3 | 0.01% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 1005 BELLA VISTA BLVD APT 119 ST AUGUSTINE, FL 32084 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES MIRABELLLI3 | 21426 GOSIER WAY BOCA RATON, FL 33428 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| ALRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $1 | — | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET PAY CIR JUPITER, FL 33458 | AFLAC | $1 | $0 | $1 | 0.00% |
| KEYSTONE BENEFIT GROUP3 | 9310 OLD KINGS ROAD S SUITE 301 JACKSONVILLE, FL 32257 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $576 | — | $576 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Other services; Named fiduciary; Participant communication; Claims processing; Direct payment from the plan; Non-monetary compensation; Contract Administrator Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $7K |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 403 | $382K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 382 | $142K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 403 | $382K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $29K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 403 | $382K |
| Other(2 contracts, 2 carriers) | AFLAC | 293 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.