| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $7K | — | $7K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AFLAC | $415 | — | $415 | 3.57% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $167 | $45 | $212 | 1.82% |
| RACHAEL A SHARPLESS3 | 1431 NORTHEAST 55TH STREET FT LAUDERDALE, FL 33334 | AFLAC | $94 | — | $94 | 0.81% |
| JANICE KAY FERRY3 | 325 MURPHY STREET HOLLIDAYSBURG, PA 16648 | AFLAC | $39 | $28 | $67 | 0.58% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $59 | — | $59 | 0.51% |
| RUMIL CORPORATION3 | 17848 NORTHWEST 15TH COURT PEMBROKE PINES, FL 33029 | AFLAC | $37 | — | $37 | 0.32% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $25 | — | $25 | 0.21% |
| DENNIS S SMYTHE3 | 929 LASNIK STREET ERIE, CO 80516 | AFLAC | $24 | — | $24 | 0.21% |
| JENNIFER LYNN WHITE3 | 141 HUNTER DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $16 | $6 | $22 | 0.19% |
| G SCOTT COOKE3 | 2832 NORTHEAST 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $21 | — | $21 | 0.18% |
| MELISSA A SCHOFIELD3 | 910 WEST KATHLEEN ROAD PHOENIX, AZ 85023 | AFLAC | $19 | — | $19 | 0.16% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $10 | $8 | $18 | 0.15% |
| RUMIL CORPORATION3 | 701 NORTHWEST 141ST AVENUE APPARTMENT 108 PEMBROKE PINES, FL 33028 | AFLAC | $16 | — | $16 | 0.14% |
| MARCO A ERAZO3 | 4160 SOURTHWEST 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $15 | — | $15 | 0.13% |
| LAURA M MARCOTTE3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $14 | — | $14 | 0.12% |
| TOMAS E FLORES3 | 1265 15TH STREET APPARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $13 | — | $13 | 0.11% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $7 | $6 | $13 | 0.11% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $9 | — | $9 | 0.08% |
| THOMAS P MCKIERNAN3 | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $5 | — | $5 | 0.04% |
| GEORGE PADRON3 | 932 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $4 | — | $4 | 0.03% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $4 | — | $4 | 0.03% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3 | — | $3 | 0.03% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $141K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $141K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $141K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $141K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $141K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.