| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $137K | $156K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 15.13% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $568 | $17 | $585 | 3.63% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $398 | $27 | $425 | 2.64% |
| MJ INSURANCE3 Filed as: MARTA M. SASTRE AND VARIOUS AGENTS | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $197 | $7 | $204 | 1.27% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33134 | AFLAC | $133 | $17 | $150 | 0.93% |
| MARIA E GADEA3 Filed as: MARIA E. GADEA | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $95 | $50 | $145 | 0.90% |
| CHRISTINA MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $105 | $0 | $105 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $57 | $0 | $57 | 0.35% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $351 | $5 | $356 | 2.64% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $312 | $5 | $317 | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G. BROWN AND VARIOUS AGENTS | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $131 | $19 | $150 | 1.11% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $147 | $0 | $147 | 1.09% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $91 | $5 | $96 | 0.71% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $64 | $0 | $64 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $36 | $0 | $36 | 0.27% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER AND OTHER AGENTS | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $296 | $0 | $296 | 2.29% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $234 | $0 | $234 | 1.81% |
| ANGELA MONTENEGRO3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $225 | $0 | $225 | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 173 GELSTON AVENUE, SUITE 3D BROOKLYN, NY 11209 | AFLAC | $109 | $0 | $109 | 0.84% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $87 | $0 | $87 | 0.67% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $79 | $0 | $79 | 0.61% |
| JIM KOKKORIS3 | 2356 28TH STREET ASTORIA, NY 11105 | AFLAC | $68 | $0 | $68 | 0.53% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOC. AND OTHER AGENTS | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | AFLAC | $335 | $27 | $362 | 3.61% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $319 | $32 | $351 | 3.50% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL AND ASSOCIATES, LTD | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | AFLAC | $193 | $18 | $211 | 2.10% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $185 | $23 | $208 | 2.07% |
| JESSE A SAMAWI3 Filed as: JESSE A. SAMAWI | 1720 SOUTH MICHIGAN AVENUE SUITE 801 CHICAGO, IL 60616 | AFLAC | $136 | $0 | $136 | 1.36% |
| JENNIFER DEL RIVERO3 | 249 EAST MEDILL AVENUE NORTHLAKE, IL 60164 | AFLAC | $109 | $0 | $109 | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 555 SOUTH PERRYVILLE ROAD ROCKFORD, IL 61108 | AFLAC | $2 | $0 | $2 | 0.02% |
| MJ INSURANCE3 Filed as: JUANITA BURKS AND VARIOUS AGENTS | 6060 CENTER DRIVE, SUITE 800 LOS ANGELES, CA 90045 | AFLAC | $253 | $0 | $253 | 2.59% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $250 | $0 | $250 | 2.56% |
| TIANI C. WARREN3 | 5700 COLISEUM STREET LOS ANGELES, CA 90016 | AFLAC | $210 | $0 | $210 | 2.15% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $99 | $0 | $99 | 1.01% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6100 CENTER DRIVE, SUITE 670 LOS ANGELES, CA 90045 | AFLAC | $76 | $0 | $76 | 0.78% |
| KAREN ANN HABERKORN3 | PO BOX 5328 LANCASTER, CA 93539 | AFLAC | $70 | $0 | $70 | 0.72% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $68 | $0 | $68 | 0.70% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $217 | $8 | $225 | 2.64% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $186 | $8 | $194 | 2.28% |
| MJ INSURANCE3 Filed as: MARTA M. SASTRE AND VARIOUS AGENTS | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $144 | $32 | $176 | 2.07% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $91 | $0 | $91 | 1.07% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $57 | $8 | $65 | 0.76% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $40 | $0 | $40 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $17 | $0 | $17 | 0.20% |
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 | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 373 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 373 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 373 | $3.4M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $81K |
| Short-term disability(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $58K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 373 | $3.4M |
| Other(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.