| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $10K | 7.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 222 BLOOMINGDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AFLAC | $934 | — | $934 | 5.78% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $466 | $71 | $537 | 3.32% |
| RACHAEL A SHARPLESS3 | 1431 NORTHEAST 55TH STREET FT LAUDERDALE, FL 33334 | AFLAC | $248 | $155 | $403 | 2.49% |
| GEORGE PADRON3 | 932 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $295 | $14 | $309 | 1.91% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $216 | $71 | $287 | 1.77% |
| RUMIL CORPORATION3 | 701 NORTHWEST 141ST AVENUE APARTMENT 108 PEMBROKE PINES, FL 33028 | AFLAC | $121 | $105 | $226 | 1.40% |
| MELISSA A SCHOFIELD3 | 932 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $125 | $40 | $165 | 1.02% |
| DENNIS S SMYTHE3 | 929 LASNIK STREET ERIE, CO 80516 | AFLAC | $121 | $44 | $165 | 1.02% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $71 | $21 | $92 | 0.57% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $54 | $31 | $85 | 0.53% |
| G SCOTT COOKE3 | 2832 NORTHEAST 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $36 | $31 | $67 | 0.41% |
| JANICE KAY FERRY3 | 906 8TH STREET IRWIN, PA 15642 | AFLAC | $64 | — | $64 | 0.40% |
| MARCO A ERAZO3 | 4160 SOUTHWEST 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $34 | $21 | $55 | 0.34% |
| JENNIFER LYNN WHITE3 | 141 HUNTER DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $49 | — | $49 | 0.30% |
| TOMAS E FLORES3 | 1054 GATEWAY BOULEVARD SUITE 107 BOYNTON BEACH, FL 33426 | AFLAC | $23 | $21 | $44 | 0.27% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $26 | $12 | $38 | 0.24% |
| THOMAS P MCKIERNAN3 | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $20 | $12 | $32 | 0.20% |
| MELISSA A SCHOFIELD3 | 11620 NORTH 39TH STREET PHOENIX, AZ 85028 | AFLAC | $28 | — | $28 | 0.17% |
| LAURA M MARCOTTE3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $21 | $7 | $28 | 0.17% |
| JANICE KAY FERRY3 | 325 MURPHY STREET HOLLIDAYSBURG, PA 16648 | AFLAC | $27 | — | $27 | 0.17% |
| BONNIE BISIGNANO3 Filed as: BONNIE J BISIGNANO | 17 IMPERIAL AVENUE CRANSTON, RI 02920 | AFLAC | $27 | — | $27 | 0.17% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $20 | — | $20 | 0.12% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $13 | — | $13 | 0.08% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS P MCKIERNAN3 | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $2 | — | $2 | 0.01% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $134K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $134K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $134K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $134K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
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.