| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | — | $89K | 16.25% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 9.88% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR. DESTIN, FL 32541 | AFLAC | $4K | — | $4K | 11.91% |
| BONNETT AND ASSOCIATES LLC3 | 3243 S. 92ND ST. UNIT 306 MILWAUKEE, WI 53227 | AFLAC | $3K | $198 | $3K | 9.53% |
| RUBEN ROSA3 | 933 LEE RD. STE 200 ORLANDO, FL 32810 | AFLAC | $600 | $2 | $602 | 1.99% |
| SUZANNE CAROL MCNEILL3 | 935 5TH PL VERO BEACH, FL 32962 | AFLAC | $193 | $156 | $349 | 1.15% |
| CHRISTOPHER E LORENTZ3 | 7301 PALOMAR ST. FORT PIERCE, FL 34951 | AFLAC | $93 | $141 | $234 | 0.77% |
| A & M HARNER & ASSOCIATES LLC3 Filed as: A&M HARNER & ASSOCIATES LLC | 102 N. SWEETWATER BLVD. LONGWOOD, FL 32779 | AFLAC | $209 | — | $209 | 0.69% |
| JODI ELLEN COLEMAN3 | 3849 SE LEE ST. STUART, FL 34997 | AFLAC | $110 | $75 | $185 | 0.61% |
| COLLEEN B. SHANNON3 | 4267 FOUR LAKES DR. MELBOURNE, FM 32940 | AFLAC | $93 | $60 | $153 | 0.51% |
| MICHAEL A RUZ3 | 605 GLENVIEW CT. WINTER GARDEN, FL 34787 | AFLAC | $129 | — | $129 | 0.43% |
| VIRMELIA RODRIGUEZ3 | 10090 BENNINGTON CHASE DR. ORLANDO, FL 32829 | AFLAC | $85 | — | $85 | 0.28% |
| HOLLY PACE3 | 2629 KINGDOM AVE MELBOURNE, FL 32934 | AFLAC | $28 | $50 | $78 | 0.26% |
| VIRMELIA RODRIGUEZ3 | 7980 OAKSTONE CT. ORLANDO, FL 32822 | AFLAC | $55 | — | $55 | 0.18% |
| HENSLEY INSURANCE LLC3 | 631 RED MAPLE CT. OVIEDO, FL 32765 | AFLAC | $44 | — | $44 | 0.15% |
| PATRICIA LYNN HENSLEY3 | 631 RED MAPLE CT OVIEDO, FL 32765 | AFLAC | $44 | — | $44 | 0.15% |
| CHRISTIANIA M. SELPH3 | 212 CORINNE RD. FORT PIERCE, FL 34945 | AFLAC | $16 | $15 | $31 | 0.10% |
| ACENTRIA INSURANCE3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | PREFERRED LEGAL PLAN | $827 | — | $827 | 17.76% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $545K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $216K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $216K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $246K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $216K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $216K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.