| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 200E BOCA RATON, FL 33431 | AETNA LIFE INSURANCE COMPANY | $92K | $88 | $92K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 200E BOCA RATON, FL 33431 | AETNA HEALTH, INC. | $60K | $0 | $60K | 4.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $798 | $10K | 12.81% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $130 | $0 | $130 | 0.17% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $941 | $133 | $1K | 6.27% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $645 | $53 | $698 | 4.08% |
| CHRISTINA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $360 | $76 | $436 | 2.55% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $339 | $53 | $392 | 2.29% |
| MARIA ORTIZ3 Filed as: MARIA GADEA | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $321 | $0 | $321 | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $198 | $0 | $198 | 1.16% |
| MJ INSURANCE3 Filed as: SANDRA VELAZQUEZ AND VARIOUS AGENTS | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $128 | $0 | $128 | 0.75% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $767 | $63 | $830 | 5.43% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $422 | $17 | $439 | 2.87% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $226 | $17 | $243 | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $169 | $0 | $169 | 1.11% |
| MJ INSURANCE3 Filed as: CHRISTINA ORTIZ AND VARIOUS AGENTS | 7400 SW 50TH TERRACE MIAMI, FL 33155 | AFLAC | $141 | $13 | $154 | 1.01% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $147 | $0 | $147 | 0.96% |
| MARIA ORTIZ3 Filed as: MARIA GADEA | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $63 | $0 | $63 | 0.41% |
| ANGELA MONTENEGRO3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $620 | $118 | $738 | 5.57% |
| MJ INSURANCE3 Filed as: DOUGLAS MEIER AND VARIOUS AGENTS | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $413 | $20 | $433 | 3.27% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $386 | $46 | $432 | 3.26% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $200 | $33 | $233 | 1.76% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $104 | $13 | $117 | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE, APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $109 | $0 | $109 | 0.82% |
| LINDA STEELE3 | 266 EAST BROADWAY, SUITE 1901B NEW YORK, NY 10002 | AFLAC | $95 | $0 | $95 | 0.72% |
| TIANI C. WARREN3 Filed as: TIANI WARREN | 5700 COLESEUM STREET LOS ANGELES, CA 90016 | AFLAC | $552 | $131 | $683 | 7.22% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $440 | $76 | $516 | 5.45% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6100 CENTER DRIVE, SUITE 670 LOS ANGELES, CA 90045 | AFLAC | $196 | $26 | $222 | 2.35% |
| MJ INSURANCE3 Filed as: KAREN HABERKORN AND VARIOUS AGENTS | PO BOX 5328 LANCASTER, CA 93539 | AFLAC | $220 | $0 | $220 | 2.32% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $180 | $29 | $209 | 2.21% |
| KRISTOPHER KEAHIOLALO3 | 725 KAPIOLANI BOULEVARD, SUITE C302 HONOLULU, HI 96813 | AFLAC | $90 | $26 | $116 | 1.23% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $96 | $18 | $114 | 1.20% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $278 | $9 | $287 | 3.21% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $248 | $12 | $260 | 2.91% |
| MJ INSURANCE3 Filed as: MARIA GADEA AND VARIOUS AGENTS | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $152 | $11 | $163 | 1.83% |
| LISA N. BATES3 Filed as: LISA BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $100 | $26 | $126 | 1.41% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $111 | $4 | $115 | 1.29% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $91 | $0 | $91 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $44 | $0 | $44 | 0.49% |
| JENNIFER DEL RIVERO3 | 249 EAST MEDILL AVENUE NORTHLAKE, IL 60164 | AFLAC | $547 | $0 | $547 | 6.70% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $480 | $37 | $517 | 6.33% |
| JESSE A SAMAWI3 Filed as: JESSE SAMAWI | 1720 SOUTH MICHIGAN AVENUE APARTMENT 801 CHICAGO, IL 60616 | AFLAC | $271 | $79 | $350 | 4.29% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $321 | $26 | $347 | 4.25% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOC. AND OTHER AGENTS | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | AFLAC | $313 | $26 | $339 | 4.15% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL AND ASSOCIATES, LTD | 303 WEST ERIE STREET, SUITE 401 CHICAGO, IL 60654 | AFLAC | $228 | $16 | $244 | 2.99% |
| JOSHUA ARCE3 | 5506 WEST BERTEAU AVENUE CHICAGO, IL 60641 | AFLAC | $188 | $0 | $188 | 2.30% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | 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)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 476 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 476 | $1.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 476 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $102K |
| Short-term disability(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $132K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $77K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 476 | $3.3M |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.