| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | $77K | $134K | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $36K | $39K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | -$193 | $913 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.68% |
| 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 | $5K | $2K | $7K | 9.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 2056 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | PREFERRED LEGAL PLAN | $233 | — | $233 | 7.94% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $64 | — | $64 | 3.50% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $44 | — | $44 | 2.41% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $23 | — | $23 | 1.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | AND VARIOUS AGENTS 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $13 | — | $13 | 0.71% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $8 | — | $8 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2255 GLADES RD STE 240W BOCA RATON, FL 33431 | AFLAC | $4 | — | $4 | 0.22% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND ST MIAMI, FL 33155 | AFLAC | $3 | — | $3 | 0.16% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $40 | — | $40 | 2.57% |
| TIANI C. WARREN3 Filed as: TIANI C WARREN | 5700 COLISEUM ST LOS ANGELES, CA 90016 | AFLAC | $35 | — | $35 | 2.25% |
| ROSARIO DOMINGUEZ-GIACOSA3 | AND VARIOUS AGENTS 600 BILTMORE WAY PH 109 CORAL GABLES, FL 33134 | AFLAC | $27 | — | $27 | 1.73% |
| JUANITA BURKS & ASSOCIATES3 | PO BOX 10341 MARINA DEL REY, CA 90295 | AFLAC | $22 | — | $22 | 1.41% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $17 | — | $17 | 1.09% |
| KAREN ANN HABERKORN3 | PO BOX 5328 LANCASTER, CA 93539 | AFLAC | $12 | — | $12 | 0.77% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $11 | — | $11 | 0.71% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $49 | — | $49 | 3.62% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $34 | — | $34 | 2.51% |
| INGRID MARISA FARRELL3 | 5805 SW 96TH ST PINECREST, FL 33156 | AFLAC | $16 | — | $16 | 1.18% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $12 | — | $12 | 0.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | AND VARIOUS AGENTS 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.81% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 600 BILTMORE WAY PH 109 CORAL GABLES, FL 33134 | AFLAC | $5 | — | $5 | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2255 GLADES RD STE 240W BOCA RATON, FL 33431 | AFLAC | $3 | — | $3 | 0.22% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $31 | — | $31 | 3.10% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $19 | — | $19 | 1.90% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $11 | — | $11 | 1.10% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 600 BILTMORE WAY PH 109 CORAL GABLES, FL 33134 | AFLAC | $9 | — | $9 | 0.90% |
| C HUDSON AND ASSOCIATES3 | AND VARIOUS AGENTS 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $5 | — | $5 | 0.50% |
| MARIA E GADEA3 | 5921 SW 32ND ST MIAMI, FL 33155 | AFLAC | $3 | — | $3 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2255 GLADES RD STE 240W BOCA RATON, FL 33431 | AFLAC | $2 | — | $2 | 0.20% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $20 | — | $20 | 2.23% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $16 | — | $16 | 1.78% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $10 | — | $10 | 1.11% |
| JESSE A SAMAWI3 | 1720 S MICHIGAN AVE APT 801 CHICAGO, IL 60616 | AFLAC | $10 | — | $10 | 1.11% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LA SALLE DR STE 1410 CHICAGO, IL 60654 | AFLAC | $8 | — | $8 | 0.89% |
| DANIEL A MARINEZ3 Filed as: DANIEL A MARINEZ AND VARIOUS | AGENTS 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $8 | — | $8 | 0.89% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $4 | — | $4 | 0.45% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.8M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $80K |
| Short-term disability(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $82K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $3.8M |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
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.