| 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 | $72K | — | $72K | 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 | $11K | — | $11K | 5.00% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $19K | $253 | $19K | 14.20% |
| MARIA CARDENAL3 | 10301 SOUTHWEST 98TH AVENUE MIAMI, FL 33176 | AFLAC | $3K | $38 | $3K | 2.04% |
| EILEEN SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | — | $2K | 1.21% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $96 | $1K | 0.99% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY F ENCARNACION | 11754 NORTHWEST 1ST STREET CORAL SPRINGS, FL 33071 | AFLAC | $1K | $159 | $1K | 0.99% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $983 | $59 | $1K | 0.77% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $202 | — | $202 | 0.15% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $189 | — | $189 | 0.14% |
| A & A INS SERV INC3 | 3771 NORTHWEST 87TH WAY CORAL SPRINGS, FL 33065 | AFLAC | $173 | — | $173 | 0.13% |
| DE VITA B MCKENZIE3 | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $144 | — | $144 | 0.11% |
| NELLY GABRIELA RUIZ3 | 14146 PACIFIC POINT PLACE APARTMENT 208 DELRAY BEACH, FL 33484 | AFLAC | $134 | — | $134 | 0.10% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $122 | — | $122 | 0.09% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $109 | — | $109 | 0.08% |
| ERIC W HIRSCHKORN3 | 718 SOUTHEAST ABLETT LANE PORT ST LUCIE, FL 34984 | AFLAC | $81 | — | $81 | 0.06% |
| ANNE MARIE M CARTIER3 | 2465 AINSWORTH AVENUE DELTONA, FL 32738 | AFLAC | $74 | — | $74 | 0.05% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $72 | — | $72 | 0.05% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $70 | — | $70 | 0.05% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $56 | — | $56 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $39 | — | $39 | 0.03% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $38 | — | $38 | 0.03% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $35 | — | $35 | 0.03% |
| CAROLYN S PIETRZAK3 | 18314 CAMSHIRE COURT HUDSON, FL 34667 | AFLAC | $34 | — | $34 | 0.03% |
| 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% |
| 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% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $15 | — | $15 | 0.01% |
| DAVID S MORRIS3 | 950 PENNINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $10 | — | $10 | 0.01% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $10 | — | $10 | 0.01% |
| MICHELLE M COUNTER3 | 7553 ALUMNI TRAIL SARASOTA, FL 34243 | AFLAC | $8 | — | $8 | 0.01% |
| JAVIER L ORTIZ3 | 9620 NORTHEAST 2ND AVENUE SUITE 203 MIAMI SHORES, FL 33138 | 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% |
| TIMOTHY J BADDER3 | 452 TIFFANY OAKS WAY BOYNTON BEACH, FL 33435 | AFLAC | $8 | — | $8 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BOULEVARD SUITE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $7 | — | $7 | 0.01% |
| CAROLYN S LEVEILLE3 | 18314 CAMSHIRE COURT HUDSON, FL 34667 | 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 | $5 | — | $5 | 0.00% |
| TIFFANY LEE ALLEN3 | 4219 OVERLOOK DRIVE NORTHEAST ST PETERSBURG, FL 33703 | AFLAC | $4 | — | $4 | 0.00% |
| MARK C LEE3 | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $4 | — | $4 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY MILE NEW BRAUNFELS, TX 78130 | AFLAC | $4 | — | $4 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $4 | — | $4 | 0.00% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $4 | — | $4 | 0.00% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DRIVE UNIT 1202 TAMPA, FL 33602 | AFLAC | $3 | — | $3 | 0.00% |
| SHERI CROOK INC3 | 2151 COOK LANE ALVA, FL 33920 | AFLAC | $3 | — | $3 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 1205 HILLSBORO MILE #203 HILLSBORO BEACH, FL 33062 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | 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 | $13K | $4K | $17K | 13.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $257 | $4K | $4K | 3.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS VERO DIV | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.95% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 9.99% |
| 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 | $4K | — | $4K | 8.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | FLORIDA COMBINED LIFE | $3K | — | $3K | 11.93% |
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 | 196 | 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) | 196 | 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 | 150 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $126K |
| Life insurance | FLORIDA COMBINED LIFE | 251 | $24K |
| Short-term disability | AFLAC | 138 | $136K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $126K |
| Prescription drug | HEALTH OPTIONS, INC | 27 | $225K |
| Other(3 contracts, 3 carriers) | AFLAC | 251 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.