| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN LORENZEN | 109 DIAMOND TAIL RD PLACITAS, NM 87043 | AFLAC | $14K | $864 | $15K | 36.06% |
| ALMA IKIC | 4836 HARDWARE DR NE ALBUQUERQUE, NM 87109 | AFLAC | $2K | $173 | $2K | 4.17% |
| G SCOTT COOKE Filed as: SCOTT C BLACK | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $36 | $0 | $36 | 0.08% |
| DEBORAH P BLACK | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $22 | $0 | $22 | 0.05% |
| MARJORIE W DECANIO | 2803 FRUITVILLE RD STE 120 SARASOTA, FL 34237 | AFLAC | $22 | $0 | $22 | 0.05% |
| JOHN J GRUND | 4119 24TH AVE W BRADENTON, FL 34205 | AFLAC | $13 | $0 | $13 | 0.03% |
| JAMES (JAY) GRIMES | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $6 | $0 | $6 | 0.01% |
| PAMELA G GIORDANO | 5114 33RD ST E BRADENTON, FL 34203 | AFLAC | $5 | $0 | $5 | 0.01% |
| SUSAN C BRIMHALL | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $4 | $0 | $4 | 0.01% |
| BARTLEIN AND ASSOC INC | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $3 | $0 | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: KATHY S BROWN | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $3 | $0 | $3 | 0.01% |
| TERESA L SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $2 | $0 | $2 | 0.00% |
| KATHY S HARRIS | PO BOX 694 JEFFERSON, NC 28640 | AFLAC | $1 | $0 | $1 | 0.00% |
| GWEN NICHOLS BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES ARTHUR HARBOUR Filed as: JAMES A HARBOUR | 1100 ALAKEA ST STE 3200 HONOLULU, HI 96813 | AFLAC | $1 | $0 | $1 | 0.00% |
| J MICHAEL BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEVIN LORENZEN NONE | Insurance services Service code 23 | 109 DIAMOND TAIL RD PLACITAS, NM 87043 | $15K |
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 | 31 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 31 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.