| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $14K | $26K | $40K | 2.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD SUITE 200E BOCA RATON, FL 33431 | AETNA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 2.02% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA HEALTH, INC. | $0 | $42K | $42K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD SUITE 200E BOCA RATON, FL 33431 | AETNA HEALTH, INC. | $21K | $0 | $21K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD SUITE 200E BOCA RATON, FL 33431 | AETNA LIFE INSURANCE COMPANY | $8K | $87 | $8K | 4.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD SUITE 200E BOCA RATON, FL 33431 | AETNA HEALTH, INC | $5K | $0 | $5K | 4.21% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.22% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $0 | $2K | 10.43% |
| CHRISTINA MARIA ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $0 | $1K | 8.89% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $559 | $0 | $559 | 3.61% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $385 | $0 | $385 | 2.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN AND VARIOUS AGENTS | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $79 | $0 | $79 | 0.51% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $63 | $0 | $63 | 0.41% |
| ELLENIT SERRANO3 | 444 HENDRICKS ISLE APARTMENT 202 FORT LAUDERDALE, FL 33301 | AFLAC | $27 | $0 | $27 | 0.17% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $655 | $0 | $655 | 4.71% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $505 | $0 | $505 | 3.63% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $165 | $0 | $165 | 1.19% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $135 | $0 | $135 | 0.97% |
| MJ INSURANCE3 Filed as: JAVIER ORTIZ AND VARIOUS AGENTS | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $62 | $0 | $62 | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $35 | $0 | $35 | 0.25% |
| ELLENIT SERRANO3 | 444 HENDRICKS ISLE APARTMENT 202 FORT LAUDERDALE, FL 33301 | AFLAC | $19 | $0 | $19 | 0.14% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $673 | $0 | $673 | 5.73% |
| MJ INSURANCE3 Filed as: DOUGLAS R. MEIER AND VARIOUS AGENTS | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $471 | $25 | $496 | 4.23% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $428 | $9 | $437 | 3.72% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $222 | $0 | $222 | 1.89% |
| MILDRED M. RIVERA3 | 266 EAST BROADWAY APARTMENT 1901B NEW YORK, NY 10002 | AFLAC | $126 | $0 | $126 | 1.07% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $111 | $2 | $113 | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $109 | $0 | $109 | 0.93% |
| TIANI C. WARREN3 | 5700 COLISEUM STREET LOS ANGELES, CA 90016 | AFLAC | $1K | $0 | $1K | 13.21% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $883 | $4 | $887 | 9.67% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $419 | $20 | $439 | 4.79% |
| MJ INSURANCE3 Filed as: MARTA M. SASTRE AND VARIOUS AGENTS | PO BOX 140127 CORAL GABELS, FL 33114 | AFLAC | $402 | $34 | $436 | 4.75% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6100 CENTER DRIVE SUITE 670 LOS ANGELES, CA 90045 | AFLAC | $349 | $6 | $355 | 3.87% |
| KRISTOPHER KEAHIOLALO3 | 725 KAPIOLANI BOULEVARD SUITE C302 HONOLULU, HI 96813 | AFLAC | $219 | $6 | $225 | 2.45% |
| LUIS FERNANDO HARO-CORNEJO3 | 6100 CENTER DRIVE LOS ANGELES, CA 90045 | AFLAC | $202 | $0 | $202 | 2.20% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $305 | $0 | $305 | 3.99% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $242 | $0 | $242 | 3.16% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PLACE TOMALL, TX 77375 | AFLAC | $196 | $0 | $196 | 2.56% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $95 | $0 | $95 | 1.24% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $83 | $0 | $83 | 1.09% |
| MJ INSURANCE3 Filed as: CHRIS T. KELLY & VARIOUS AGENTS | 12600 NORTHBOROUGH DRIVE SUITE 210 HOUSTON, TX 77067 | AFLAC | $72 | $0 | $72 | 0.94% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL J. ANDERS | 12600 NORTHBOROUGH DRIVE SUITE 210 HOUSTON, TX 77067 | AFLAC | $39 | $0 | $39 | 0.51% |
| JESSE A SAMAWI3 Filed as: JESSE A. SAMAWI | 1720 SOUTH MICHIGAN AVENUE APARTMENT 801 CHICAGO, IL 60616 | AFLAC | $489 | $0 | $489 | 11.36% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $356 | $0 | $356 | 8.27% |
| EILEEN SANCHEZ MEDINA3 | 3100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $233 | $0 | $233 | 5.41% |
| MATTHEW J LE ANELLI3 Filed as: MATTHEW J. LE ANELLI | 1411 WEST SUPERIOR STREET UNIT 3 CHICAGO, IL 60642 | AFLAC | $139 | $0 | $139 | 3.23% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL AND ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $137 | $0 | $137 | 3.18% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE AND OTHER AGENTS | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $116 | $0 | $116 | 2.70% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES, LTD | 303 WEST ERIE STREET SUTE 400 CHICAGO, IL 60654 | AFLAC | $89 | $0 | $89 | 2.07% |
| SOL DENNYSE LEON RAMUNNI3 | 3779 PEARL AVENUE SAN JOSE, CA 95136 | AFLAC | $272 | $0 | $272 | 19.50% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $86 | $0 | $86 | 6.16% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM V. SCHAUB | 28 NORTH 1ST STREET SUITE 700 SAN JOSE, CA 95113 | AFLAC | $34 | $0 | $34 | 2.44% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $21 | $0 | $21 | 1.51% |
| GREGOR KREMENLIEV3 Filed as: GREGOR KREMENLIEV AND OTHER AGENTS | 2635 RYAN ROAD CONCORD, CA 94518 | AFLAC | $18 | $0 | $18 | 1.29% |
| MARILEN JOAN MCINTYRE3 | 3143 WASHINGTON STREET SAN FRANCISCO, CA 94115 | AFLAC | $12 | $0 | $12 | 0.86% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $12 | $0 | $12 | 0.86% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 511 | $3.2M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 511 | $1.6M |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 511 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $94K |
| Short-term disability(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $117K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $71K |
| Prescription drug(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 511 | $3.2M |
| Other(8 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.