| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER & ASSOCIATES | 75 VALENCIA AVENUE SUITE 500 CORAL GABLES, FL 33134 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | $104K | $133K | 5.23% |
| LISSETTE FERNANDEZ3 Filed as: LISSETTE MARIA FERNANDEZ | 75 VALENCIA AVENUE MIAMI, FL 33134 | AFLAC | $8K | $8 | $8K | 12.71% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $7K | — | $7K | 11.21% |
| ANA MARIA LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $6K | — | $6K | 8.74% |
| MARIA CARDENAL3 | 8390 SW 72ND AVE APT 104 MIAMI, FL 33143 | AFLAC | $4K | — | $4K | 5.74% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3K | — | $3K | 4.88% |
| JUAN JOSE RAMIREZ3 | 15840 SW 105TH AVE MIAMI, FL 33157 | AFLAC | $2K | — | $2K | 2.67% |
| LIANNE PORTUOND DIAZ3 | 133 SHORE DR W MIAMI, FL 33133 | AFLAC | $1K | — | $1K | 2.32% |
| JENNIFER M GREEN3 | 4001 HARDIE AVE MIAMI, FL 33133 | AFLAC | $1K | — | $1K | 2.21% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $338 | — | $338 | 0.53% |
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 | 863 | 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) | 863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 542 | $2.5M |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 863 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 863 | $54K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 863 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.