| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 606940000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $110K | $124K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 13.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHT, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.46% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $516 | — | $516 | 3.41% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $365 | — | $365 | 2.41% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $191 | — | $191 | 1.26% |
| MJ INSURANCE3 Filed as: SANDRA VELAZQUEZ AND VARIOUS AGENTS | 6374 SW 22ND ST MIAMI, FL 33155 | AFLAC | $108 | — | $108 | 0.71% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $66 | — | $66 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2056 VISTA PKWY STE 3O0 WEST PALM BEACH, FL 33411 | AFLAC | $38 | — | $38 | 0.25% |
| CHRISTINA MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $23 | — | $23 | 0.15% |
| MARTA M SASTRE3 | AND VARIOUS AGENTS 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $297 | — | $297 | 2.47% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $241 | — | $241 | 2.01% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $143 | — | $143 | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 2640 LAKE SHORE DR UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $102 | — | $102 | 0.85% |
| ANGELA MONTENEGRO3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $90 | — | $90 | 0.75% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $85 | — | $85 | 0.71% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $83 | — | $83 | 0.69% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $271 | — | $271 | 2.56% |
| TIANI C. WARREN3 Filed as: TIANI C WARREN | 5700 COLISEUM ST LOS ANGELES, CA 90016 | AFLAC | $228 | — | $228 | 2.16% |
| ROSARIO DOMINGUEZ-GIACOSA3 Filed as: ROSARIO DOMINGUEZ-GIACOSA AND | VARIOUS AGENTS 1060 BRICKELL AVE APT 4309 MIAMI, FL 33131 | AFLAC | $211 | — | $211 | 2.00% |
| JUANITA BURKS & ASSOCIATES3 | PO BOX 10341 MARINA DEL REY, CA 90295 | AFLAC | $141 | — | $141 | 1.33% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $107 | — | $107 | 1.01% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $77 | — | $77 | 0.73% |
| KAREN ANN HABERKORN3 | PO BOX 5328 LANCASTER, CA 93539 | AFLAC | $76 | — | $76 | 0.72% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $319 | — | $319 | 3.31% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $206 | — | $206 | 2.14% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $95 | — | $95 | 0.99% |
| INGRID MARISA FARRELL3 | AND VARIOUS AGENTS 5805 SW 96TH ST PINECREST, FL 33156 | AFLAC | $71 | — | $71 | 0.74% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 1060 BRICKELL AVE APT 4309 MIAMI, FL 33131 | AFLAC | $48 | — | $48 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2056 VISTA PKWY STE 300 WEST PALM BEACH, FL 33411 | AFLAC | $28 | — | $28 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $18 | — | $18 | 0.19% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $214 | — | $214 | 2.51% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $139 | — | $139 | 1.63% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $101 | — | $101 | 1.18% |
| JESSE A SAMAWI3 | 1720 S MICHIGAN AVE APT 801 CHICAGO, IL 60616 | AFLAC | $72 | — | $72 | 0.84% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LA SALLE DR STE 1410 CHICAGO, IL 60654 | AFLAC | $68 | — | $68 | 0.80% |
| DANIEL A MARINEZ3 Filed as: DANIEL A MARINEZ AND VARIOUS | AGENTS 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $65 | — | $65 | 0.76% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $45 | — | $45 | 0.53% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $211 | — | $211 | 2.63% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $170 | — | $170 | 2.12% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 1060 BRICKELL AVE APT 4309 MIAMI, FL 33131 | AFLAC | $98 | — | $98 | 1.22% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $93 | — | $93 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | AND VARIOUS AGENTS 2056 VISTA PKWY STE 300 WEST PALM BEACH, FL 33411 | AFLAC | $50 | — | $50 | 0.62% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $17 | — | $17 | 0.21% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $12 | — | $12 | 0.15% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 359 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 359 | $3.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 359 | $3.6M |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $113K |
| Short-term disability(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $142K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $93K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 359 | $3.6M |
| Other(8 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.