| 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 SUITE 400 WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 6.00% |
| JOURNEY INS GRP INC3 | 9179 NORTHWEST 37TH PLACE CORAL SPRINGS, FL 33065 | AFLAC | $6K | $402 | $7K | 8.55% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY F ENCARNACION | 8051 SOUTHGATE BOULEVARD APARTMENT J11 NORTH LAUDERDALE, FL 33068 | AFLAC | $2K | $109 | $2K | 3.01% |
| LINDA M NAPOLI3 | 2881 NORTHEAST 32ND STREET APARTMENT 120 FT LAUDERDALE, FL 33306 | AFLAC | $1K | $81 | $1K | 1.56% |
| DE VITA B MCKENZIE3 | 110 SOUTHEAST 6TH STREET SUITE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $853 | $81 | $934 | 1.19% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $545 | $22 | $567 | 0.72% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $429 | $22 | $451 | 0.58% |
| A & A INS SERV INC3 | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $310 | — | $310 | 0.40% |
| KATY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $216 | — | $216 | 0.28% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $191 | — | $191 | 0.24% |
| ERIC W HIRSCHKORN3 | 718 SOUTHEAST ABLETT LANE PORT ST LUCIE, FL 34984 | AFLAC | $190 | — | $190 | 0.24% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $185 | — | $185 | 0.24% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $137 | — | $137 | 0.18% |
| NELLY GABRIELA RUIZ3 | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $124 | — | $124 | 0.16% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $123 | — | $123 | 0.16% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $69 | — | $69 | 0.09% |
| TIMOTHY J BADDER3 | 6345 NORTHWEST 120TH DRIVE CORAL SPRINGS, FL 33076 | AFLAC | $65 | — | $65 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $40 | — | $40 | 0.05% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NORTHEAST 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $39 | — | $39 | 0.05% |
| ANNE MARIE M CARTIER3 | 2306 KENT AVENUE FORT MYERS, FL 33907 | AFLAC | $37 | — | $37 | 0.05% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $29 | — | $29 | 0.04% |
| SHARON BASSOFF INC3 | 11550 SOUTHWEST 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $27 | — | $27 | 0.03% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $22 | — | $22 | 0.03% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DRIVE NAPLES, FL 34104 | AFLAC | $20 | — | $20 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $17 | — | $17 | 0.02% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $13 | — | $13 | 0.02% |
| BRENDA LYNN GARRETT3 | 107 SOUTH SAN AGUSTIN DRIVE MOORESVILLE, NC 28117 | AFLAC | $13 | — | $13 | 0.02% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $12 | — | $12 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $10 | — | $10 | 0.01% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $9 | — | $9 | 0.01% |
| MARK C LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $8 | — | $8 | 0.01% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $8 | — | $8 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT L TRAPNELL JR3 | 15 NORTH INDIAN RIVER DRIVE APARTMENT 705 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $3 | — | $3 | 0.00% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL H MCCLAIN3 | 6237 ROSE TERRACE PLANTATION, FL 33317 | AFLAC | $3 | — | $3 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.00% |
| JONATHAN A HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 6.00% |
| 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 | $7K | — | $7K | 9.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $137 | $3K | $3K | 4.29% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT 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 | 9179 NORTHWEST 37TH PLACE CORAL SPRINGS, FL 33065 | AFLAC | $35 | — | $35 | 3.74% |
| NELLY GABRIELA RUIZ3 | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $22 | — | $22 | 2.35% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $12 | — | $12 | 1.28% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $7 | — | $7 | 0.75% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.21% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.11% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 84 | $865K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $73K |
| Short-term disability(2 contracts) | AFLAC | 90 | $79K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 11 | $76K |
| Other(4 contracts, 3 carriers) | AFLAC | 127 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.