| 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 | $57K | — | $57K | 6.00% |
| 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 | $8K | — | $8K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $162 | $4K | $4K | 5.11% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $6K | $261 | $6K | 8.46% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY F ENCARNACION | 8051 SOUTHGATE BOULEVARD APARTMENT J11 NORTH LAUDERDALE, FL 33068 | AFLAC | $4K | $177 | $4K | 5.04% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $45 | $2K | 2.04% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $942 | $45 | $987 | 1.30% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $360 | $42 | $402 | 0.53% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $355 | — | $355 | 0.47% |
| A & A INS SERV INC3 | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $220 | — | $220 | 0.29% |
| DE VITA B MCKENZIE3 | 733 BISHOP STREET SUITE 2530 HONOLULU, HI 96813 | AFLAC | $136 | $34 | $170 | 0.22% |
| KATY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $164 | — | $164 | 0.22% |
| DE VITA B MCKENZIE3 | 1050 BISHOP STREET SUITE 120 HONOLULU, HI 96813 | AFLAC | $139 | $8 | $147 | 0.19% |
| ERIC W HIRSCHKORN3 | 718 SOUTHEAST ABLETT LANE PORT ST LUCIE, FL 34984 | AFLAC | $124 | — | $124 | 0.16% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $102 | — | $102 | 0.13% |
| NELLY GABRIELA RUIZ3 | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $102 | — | $102 | 0.13% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $91 | — | $91 | 0.12% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $88 | — | $88 | 0.12% |
| STEVEN KAISER3 | 9511 VIRA DRIVE RALEIGH, NC 27617 | AFLAC | $72 | — | $72 | 0.09% |
| ANNE MARIE M CARTIER3 | 2306 KENT AVENUE FORT MYERS, FL 33907 | AFLAC | $62 | — | $62 | 0.08% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $52 | — | $52 | 0.07% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $51 | — | $51 | 0.07% |
| TIMOTHY J BADDER3 | 6345 NORTHWEST 120TH DRIVE CORAL SPRINGS, FL 33076 | AFLAC | $50 | — | $50 | 0.07% |
| MARIA ALVAREZ RESTREPO3 | 8421 SOUTH ORANGE BLOSSOM TRAIL SUITE 106 ORLANDO, FL 32809 | AFLAC | $49 | — | $49 | 0.06% |
| SHANNON SPRADLING3 | 1875 CARROLL DRIVE SAINT CLOUD, FL 34771 | AFLAC | $36 | — | $36 | 0.05% |
| CAROLYN S LEVEILLE3 | 8107 PIEDMONT DRIVE NAPLES, FL 34104 | AFLAC | $34 | — | $34 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $33 | — | $33 | 0.04% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $24 | — | $24 | 0.03% |
| VIRGINIA IRENE GUTIERREZ3 | 5906 DIAMOND COURT SAINT CLOUD, FL 34772 | AFLAC | $24 | — | $24 | 0.03% |
| SHARON BASSOFF INC3 | 11550 SOUTHWEST 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $18 | — | $18 | 0.02% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVENUE SUITE G03 RALEIGH, NC 27612 | AFLAC | $17 | — | $17 | 0.02% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $17 | — | $17 | 0.02% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | AFLAC | $17 | — | $17 | 0.02% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $17 | — | $17 | 0.02% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $13 | — | $13 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $12 | — | $12 | 0.02% |
| ADMINISTRATORS ADVISORY GROUP3 | PO BOX 549 DELAND, FL 32721 | AFLAC | $9 | — | $9 | 0.01% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $9 | — | $9 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $7 | — | $7 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NORTHEAST 163RD STREET FLOOR 2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $7 | — | $7 | 0.01% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $7 | — | $7 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $7 | — | $7 | 0.01% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $6 | — | $6 | 0.01% |
| MARK C LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $6 | — | $6 | 0.01% |
| VIRGINIA IRENE GUTIERREZ3 | 5906 DIAMOND COURT SAINT CLOUD, FL 34772 | AFLAC | $6 | — | $6 | 0.01% |
| BRENDA LYNN GARRETT3 | 107 SOUTH SAN AGUSTIN DRIVE MOORESVILLE, NC 28117 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT L TRAPNELL JR3 | 15 NORTH INDIAN RIVER DRIVE APARTMENT 705 COCOA, FL 32922 | AFLAC | $4 | — | $4 | 0.01% |
| WENDY VICIANA3 Filed as: WENDY MERCEDES VICIANA | 2425 FLAMINGO PLACE APARTMENT 11 MIAMI BEACH, FL 33140 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD CESAR FERNANDEZ3 | 6471 MAIN STREET APARTMENT 208 MIAMI LAKES, FL 33014 | AFLAC | $3 | — | $3 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | 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 | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INSURANCE GROUP | 7563 NORTHWEST 70TH AVENUE PARKLAND, FL 33067 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 7.99% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $11 | — | $11 | 3.89% |
| NELLY GABRIELA RUIZ3 | 3630 NORTHWEST 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $7 | — | $7 | 2.47% |
| STEVEN KAISER3 | 9511 VIRA DRIVE RALEIGH, NC 27617 | AFLAC | $4 | — | $4 | 1.41% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.71% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.35% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $82K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $82K |
| Short-term disability(2 contracts) | AFLAC | 112 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 21 | $136K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.