| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | 400 N MERIDIAN ST TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $5K | $5K | 1.97% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 1.03% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $43 | $13K | 9.02% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.62% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 5.50% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | 400 N MERIDIAN ST TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.05% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.77% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| NIMNICHT INS SVCS LLC3 | 1550 CASSAT AVE JACKSONVILLE, FL 32210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $963 | — | $963 | 1.38% |
| KELLER & ASSOCIATES3 Filed as: KELLER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $333 | — | $333 | 0.48% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.22% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.76% |
| NIMNICHT INS SVCS LLC3 | 1550 CASSAT AVE JACKSONVILLE, FL 32210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.70% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $983 | — | $983 | 2.83% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $424 | — | $424 | 1.22% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.48% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.26% |
| INSURANCE OFFICE OF AMERICA | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC., A FL CORPORATION | $1K | $300 | $2K | 13.66% |
| CORDELL FINANCIAL INC | 479 OSPREY PT PONTE VEDRA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 7.78% |
| BRISTOWE INSURANCE GROUP | P O BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 6.91% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $147K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $252K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 180 | $463K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 180 | $359K |
| Other(6 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 378 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.