| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KETTLER AND ASSOCIATES3 | 1560 SOUTH DIXIE HIGHWAY, SUITE 207 CORAL GABLES, FL 33146 | DELTA DENTAL INSURANCE COMPANY | $81K | — | $81K | 7.94% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $50K | $2K | $51K | 8.08% |
| MJ INSURANCE3 Filed as: JAVIER ORTIZ AND VARIOUS AGENTS | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $21K | $2K | $23K | 3.61% |
| LOURDES M. ALDEREGUIA3 | 9808 SW 94TH TERRACE MIAMI, FL 33176 | AFLAC | $21K | $1K | $22K | 3.46% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $11K | $518 | $11K | 1.78% |
| GAYLE L BAKER-GAYDOS3 Filed as: GAYLE L. BAKER-GAYDOS | 100 MARTHAS WAY WEST GROVE, PA 19390 | AFLAC | $6K | $388 | $6K | 0.99% |
| JEANORA MAIRS3 | 2506 SIR TRISTAM LANE LEWISVILLE, TX 75056 | AFLAC | $4K | $114 | $4K | 0.66% |
| BOBBY B JONES3 Filed as: BOBBY BRENT JONES | 17420 SW 92ND AVENUE PALMETTO BAY, FL 33157 | AFLAC | $4K | $383 | $4K | 0.65% |
| KETTLER AND ASSOCIATES3 Filed as: KETTLER AND ASSOCIATES, INC. | 1560 SOUTH DIXIE HIGHWAY, SUITE 207 CORAL GABLES, FL 33146 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 10.87% |
| KETTLER AND ASSOCIATES3 Filed as: KETTLER FINANCIAL SERVICES | 1560 SOUTH DIXIE HIGHWAY, SUITE 207 CORAL GABLES, FL 33146 | VISION SERVICE PLAN | $9K | — | $9K | 5.00% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $765 | — | $765 | 10.23% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $695 | — | $695 | 9.29% |
| IRVING RILEY3 | 3511 BARNES AVENUE APARTMENT 2A BRONX, NY 10467 | AFLAC | $673 | — | $673 | 9.00% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $275 | — | $275 | 3.68% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORPORATION | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $194 | — | $194 | 2.59% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $83 | — | $83 | 1.11% |
| DENISE VANDALM AND OTHER AGENTS3 | 38 PROSPECT PARK SW BROOKLYN, NY 11215 | AFLAC | $81 | — | $81 | 1.08% |
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 | 1,716 | 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) | 1,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,181 | $1.0M |
| Vision | VISION SERVICE PLAN | 1,297 | $186K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,716 | $367K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,716 | $367K |
| Other(3 contracts, 2 carriers) | AFLAC | 1,716 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,181 | — |
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.