| 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 | $11K | $90K | $101K | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SE 2ND STREET, SUITE 740 FORT LAUDERDALE, FL 33301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $18K | $23K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $891 | $8K | 13.75% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $438 | $0 | $438 | 3.41% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $309 | $0 | $309 | 2.41% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $162 | $0 | $162 | 1.26% |
| SANDRA VELAZQUEZ AND OTHER AGENTS3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $91 | $0 | $91 | 0.71% |
| CHRISTINA ORTIZ3 Filed as: CHRISTINA M. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $84 | $0 | $84 | 0.65% |
| MARIA ORTIZ3 Filed as: MARIA A. GADEA | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $56 | $0 | $56 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $33 | $0 | $33 | 0.26% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $321 | $0 | $321 | 2.71% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $274 | $0 | $274 | 2.31% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $132 | $0 | $132 | 1.11% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $125 | $0 | $125 | 1.05% |
| ELLENIT SERRANO3 Filed as: ELLENIT SERRANO AND OTHER AGENTS | 444 HENDRICKS ISL, APARTMENT 202 FORT LAUDERDALE, GA 33301 | AFLAC | $67 | $0 | $67 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $34 | $0 | $34 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AFLAC | $28 | $0 | $28 | 0.24% |
| JIM KOKKORIS3 Filed as: JIM KOKKORIS AND OTHER AGENTS | 2356 28TH STREET ASTORIA, NY 11105 | AFLAC | $243 | $0 | $243 | 2.25% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $206 | $0 | $206 | 1.91% |
| ANGELA MONTENEGRO3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $197 | $0 | $197 | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DRIVE, UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $92 | $0 | $92 | 0.85% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $74 | $0 | $74 | 0.69% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $73 | $0 | $73 | 0.68% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $65 | $0 | $65 | 0.60% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $229 | $0 | $229 | 2.56% |
| TIANI C. WARREN3 | 5700 COLISEUM STREET LOS ANGELES, CA 90016 | AFLAC | $193 | $0 | $193 | 2.16% |
| R. DOMINGUEZ-GIACOSA & OTHER AGENTS3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $178 | $0 | $178 | 1.99% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6060 CENTER DRIVE, SUITE 800 LOS ANGELES, CA 90045 | AFLAC | $119 | $0 | $119 | 1.33% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $91 | $0 | $91 | 1.02% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $65 | $0 | $65 | 0.73% |
| KAREN ANN HABERKORN3 Filed as: KAREN ANN HABERKON | PO BOX 5328 LANCASTER, CA 93539 | AFLAC | $64 | $0 | $64 | 0.72% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $204 | $2 | $206 | 2.63% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL AND ASSOCIATES, LTD | 325 WEST HURON STREET, SUITE 215 CHICAGO, IL 60654 | AFLAC | $130 | $0 | $130 | 1.66% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE AND OTHER AGENTS | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $105 | $10 | $115 | 1.47% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $101 | $2 | $103 | 1.32% |
| DANIEL A MARINEZ3 Filed as: DANIEL A. MARINEZ | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | AFLAC | $84 | $0 | $84 | 1.07% |
| JESSE A SAMAWI3 Filed as: JESSE A. SAMAWI | 1720 SOUTH MICHIGAN AVENUE APARTMENT 801 CHICAGO, IL 60616 | AFLAC | $64 | $0 | $64 | 0.82% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES, LTD | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | AFLAC | $55 | $0 | $55 | 0.70% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $168 | $0 | $168 | 2.57% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $140 | $0 | $140 | 2.14% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 7725 SW 129TH STREET MIAMI, FL 33156 | AFLAC | $76 | $0 | $76 | 1.16% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $74 | $0 | $74 | 1.13% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON ASSOCIATES & OTHER AGENTS | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $58 | $0 | $58 | 0.89% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PLACE TOMBALL, TX 77375 | AFLAC | $14 | $0 | $14 | 0.21% |
| MARIA ORTIZ3 Filed as: MARIA A. GADEA | 5921 SW 32ND STREET MIAMI, FL 33155 | AFLAC | $13 | $0 | $13 | 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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $76K |
| Short-term disability(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $101K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $55K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Other(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
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.