| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $52 | $58K | 5.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.67% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $38K | $2K | $40K | 6.73% |
| LOURDES M. ALDEREGUIA3 | 9808 SW 94TH TERRACE MIAMI, FL 33176 | AFLAC | $20K | $1K | $21K | 3.52% |
| MJ INSURANCE3 Filed as: DEBORAH POPPERT AND VARIOUS AGENTS | 1001 RAY COSTIN WAY, UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $19K | $429 | $19K | 3.25% |
| NATALIA ORTIZ3 | 9800 SW 63ND COURT MIAMI, FL 33156 | AFLAC | $11K | $5 | $11K | 1.77% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $10K | $521 | $11K | 1.76% |
| JEANORA MAIRS3 | 2506 SIR TRISTRAM LANE LEWISVILLE, TX 75056 | AFLAC | $4K | $244 | $4K | 0.68% |
| GAYLE L BAKER-GAYDOS3 Filed as: GAYLE BAKER GAYDOS | 100 MARTHAS WAY WEST GROVE, PA 19390 | AFLAC | $3K | $246 | $4K | 0.61% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 11.09% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $116 | $67 | $183 | 4.11% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $94 | $26 | $120 | 2.70% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $89 | — | $89 | 2.00% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORPORATION | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $47 | $26 | $73 | 1.64% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $20 | $11 | $31 | 0.70% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | $5 | $7 | 0.16% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI LL, INCORPORATED | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1 | $3 | $4 | 0.09% |
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 | 1,714 | 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) | 1,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,285 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,285 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,714 | $319K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,714 | $319K |
| Other(3 contracts, 2 carriers) | AFLAC | 1,714 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,285 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.