| 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 | $55K | — | $55K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | HEALTH OPTIONS, INC | $9K | — | $9K | 5.00% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY F ENCARNACION | 11754 NORTHWEST 1ST STREET CORAL SPRINGS, FL 33071 | AFLAC | $6K | $434 | $6K | 5.73% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $5K | $270 | $5K | 4.95% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $2K | $141 | $2K | 2.01% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $2K | $141 | $2K | 1.72% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $291 | — | $291 | 0.28% |
| A & A INS SERV INC3 | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $279 | — | $279 | 0.27% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $267 | — | $267 | 0.25% |
| DE VITA B MCKENZIE3 | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $224 | — | $224 | 0.21% |
| KATTY W COHEN3 | 950 PENNINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33433 | AFLAC | $172 | — | $172 | 0.16% |
| NELLY GABRIELA RUIZ3 | 14146 PACIFIC POINT PLACE APARTMENT 208 DELRAY BEACH, FL 33484 | AFLAC | $134 | — | $134 | 0.13% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 66447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $129 | — | $129 | 0.12% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $108 | — | $108 | 0.10% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $93 | — | $93 | 0.09% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $89 | — | $89 | 0.08% |
| ERIC W HIRSCHKORN3 | 718 SOUTHEAST ABLETT LANE PORT ST LUCIE, FL 34984 | AFLAC | $81 | — | $81 | 0.08% |
| ANNE MARIE M CARTIER3 | 2465 AINSWORTH AVENUE DELTONA, FL 32738 | AFLAC | $62 | — | $62 | 0.06% |
| TIMOTHY J BADDER3 | 2343 VINTAGE DRIVE LIGHTHOUSE POINT, FL 33064 | AFLAC | $60 | — | $60 | 0.06% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $56 | — | $56 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $42 | — | $42 | 0.04% |
| CAROLYN S LEVEILLE3 | 11223 SUN TREE ROAD HUDSON, FL 34667 | AFLAC | $40 | — | $40 | 0.04% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $38 | — | $38 | 0.04% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVENUE FORT MYERS, FL 33913 | AFLAC | $26 | — | $26 | 0.02% |
| SHARON BASSOFF INC3 | 11550 SOUTHWEST 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $22 | — | $22 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $22 | — | $22 | 0.02% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NORTHEAST 163RD STREET FLOOR 2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $21 | — | $21 | 0.02% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $20 | — | $20 | 0.02% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $17 | — | $17 | 0.02% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $15 | — | $15 | 0.01% |
| ANNE MARIE M CARTIER3 | 2306 KENT AVENUE FORT MYERS, FL 33907 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID S MORRIS3 | 950 PENNINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $10 | — | $10 | 0.01% |
| JAVIER L ORTIZ3 | 9620 NORTHEAST 2ND AVENUE SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $9 | — | $9 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $9 | — | $9 | 0.01% |
| MICHELLE M COUNTER3 | 7553 ALUMNI TRAIL SARASOTA, FL 34243 | AFLAC | $8 | — | $8 | 0.01% |
| RND FINANCIAL ASSOCIATES INC3 | 605 UNIVERSE BOULEVARD APARTMENT T816 JUNO BEACH, FL 33408 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD CESAR FERNANDEZ3 | 17018 NORTHWEST 22ND STREET PEMBROKE PINES, FL 33028 | AFLAC | $8 | — | $8 | 0.01% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $8 | — | $8 | 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% |
| MARK C LEE3 | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $6 | — | $6 | 0.01% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $6 | — | $6 | 0.01% |
| TIFFANY LEE ALLEN3 Filed as: TIFFANY ALLEN LLC | 4219 OVERLOOK DRIVE NORTHEAST ST PETERSBURG, FL 33703 | AFLAC | $6 | — | $6 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT L TRAPNELL JR3 | 15 NORTH INDIAN RIVER DRIVE APARTMENT 705 COCOA, FL 32922 | AFLAC | $5 | — | $5 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $4 | — | $4 | 0.00% |
| SHERI CROOK INC3 | 2151 COOK LANE ALVA, FL 33920 | AFLAC | $3 | — | $3 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.00% |
| OMERS S BASS IV3 | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVENUE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 0.00% |
| CLEFCO CORP3 | 1801 SOUTHEAST BERKSHIRE BOULEVARD PORT ST LUCIE, FL 34952 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL H MCCLAIN3 | 6237 ROSE TERRACE PLANTATION, FL 33317 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRINGS PLACE LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH RAY HARDIE3 Filed as: JOSEPH RAY HARDI | 909 EAST PLAYA DEL NORTE DRIVE APARTMENT 6011 TEMPE, AZ 85281 | AFLAC | $1 | — | $1 | 0.00% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $1 | — | $1 | 0.00% |
| TOMAS E FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | $9K | $4K | $13K | 15.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $218 | — | $218 | 0.25% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | USABLE LIFE | $2K | — | $2K | 11.11% |
| FLORIDA BLUE3 Filed as: UNASSIGNED FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $395 | — | $395 | 2.12% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 117 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $88K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $88K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $106K |
| Short-term disability | AFLAC | 113 | $105K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $88K |
| Prescription drug | HEALTH OPTIONS, INC | 18 | $185K |
| Other(4 contracts, 4 carriers) | AFLAC | 186 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.