| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.35% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| ELIZABETH MARIA SARDINAS TORRES3 | 15453 SW 139TH STREET MIAMI, FL 33196 | AFLAC | $8K | $911 | $9K | 6.98% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $5K | $196 | $5K | 3.97% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $186 | $3K | 1.90% |
| MARIROSY GONZALEZ3 Filed as: MARIROSY GONZALES AND OTHER AGENTS | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $2K | $16 | $2K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | AFLAC | $2K | — | $2K | 1.13% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $579 | — | $579 | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | AFLAC | $440 | — | $440 | 0.33% |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 442 | $3.6M |
| Dental | COMPBENEFITS | 787 | $242K |
| Vision | COMPBENEFITS | 787 | $242K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $214K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $214K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $214K |
| Prescription drug(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 442 | $3.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.