| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY WEST PALM BEACH, FL 33401 | AETNA | $47K | — | $47K | 7.72% |
| JOURNEY INS GRP INC3 | 8761 WILES ROAD APARTMENT 203 CORAL SPRINGS, FL 33067 | AFLAC | $9K | $484 | $10K | 13.27% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 110 SOUTHEAST 6TH STREET SUITE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $1K | $98 | $1K | 1.80% |
| GEOVANNY ENCARNACION3 | 8051 SOUTHGATE BOULEVARD APARTMENT J11 NORTH LAUDERDALE, FL 33068 | AFLAC | $1K | — | $1K | 1.50% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 4TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $426 | $95 | $521 | 0.72% |
| ERIC HIRSCHKORN3 | 718 SOUTHEAST ABLETT LANE PORT ST LUCIE, FL 34984 | AFLAC | $445 | $65 | $510 | 0.70% |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 2881 NORTHEAST 32ND STREET APARTMENT 120 FT LAUDERDALE, FL 33306 | AFLAC | $412 | — | $412 | 0.57% |
| A & A INS SERV INC3 | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $286 | — | $286 | 0.39% |
| KATHY W. COHEN3 Filed as: KATHY COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $266 | — | $266 | 0.37% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $251 | — | $251 | 0.34% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $246 | — | $246 | 0.34% |
| MARIA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $213 | — | $213 | 0.29% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $199 | — | $199 | 0.27% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $111 | — | $111 | 0.15% |
| TIMOTHY J BADDER3 Filed as: TIMOTHY BADDER | 6345 NORTHWEST 120TH DRIVE CORAL SPRINGS, FL 33076 | AFLAC | $89 | — | $89 | 0.12% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $63 | — | $63 | 0.09% |
| ANDREE BURKE3 | 15640 HUNTRIDGE ROAD DAVIE, FL 33331 | AFLAC | $51 | — | $51 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $43 | — | $43 | 0.06% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $37 | — | $37 | 0.05% |
| NELLY GABRIELA RUIZ3 Filed as: NELLY RUIZ | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $33 | — | $33 | 0.05% |
| MICHAEL H MCCLAIN3 Filed as: MICHAEL MCCLAIN | 6237 ROSE TERRACE PLANTATION, FL 33317 | AFLAC | $30 | — | $30 | 0.04% |
| SHARON BASSOFF INC3 | 11550 SOUTHWEST 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $28 | — | $28 | 0.04% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $27 | — | $27 | 0.04% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $23 | — | $23 | 0.03% |
| BRENDA GARRETT3 | 13489 VILLA DI PRESERVE LANE ESTERO, FL 33928 | AFLAC | $22 | — | $22 | 0.03% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 700 SOUTH HARBOUR ISLAND BOULEVARD TAMPA, FL 33637 | AFLAC | $20 | — | $20 | 0.03% |
| EMILY B WAYMAN3 Filed as: EMILY WAYMAN | 1199 SOUTH FEDERAL HIGHWAY SUITE 155 BOCA RATON, FL 33432 | AFLAC | $17 | — | $17 | 0.02% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 15655 77TH TRAIL NORTH PALM BEACH GARDENS, FL 33418 | AFLAC | $17 | — | $17 | 0.02% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $17 | — | $17 | 0.02% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $16 | — | $16 | 0.02% |
| MATTHEW PINER3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $14 | — | $14 | 0.02% |
| BARRY BAYUK3 | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $8 | — | $8 | 0.01% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 19 NORTH INDIAN RIVER DRIVE APARTMENT 701 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $329 | — | $329 | 0.59% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DRIVE 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INSURANCE GROUP | 7563 NORTHWEST 70TH AVENUE PARKLAND, FL 33067 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.99% |
| JOURNEY INS GRP INC3 | 8761 WILES ROAD APARTMENT 203 CORAL SPRINGS, FL 33067 | AFLAC | $48 | — | $48 | 3.61% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $15 | — | $15 | 1.13% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $10 | — | $10 | 0.75% |
| NELLY GABRIELA RUIZ3 Filed as: NELLY RUIZ | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $8 | — | $8 | 0.60% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 101 | $613K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $56K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $56K |
| Short-term disability(2 contracts) | AFLAC | 95 | $74K |
| Other(4 contracts, 3 carriers) | AFLAC | 138 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.