| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.90% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BLVD SUITE 2850 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.03% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $20K | $28 | $20K | 10.33% |
| C CONCHA-BOWER & VAR AGENTS3 | 209 SAILING COURT LEXINGTON, SC 29072 | AFLAC | $7K | $0 | $7K | 3.85% |
| MARIROSY GONZALEZ3 | 220 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $7K | $0 | $7K | 3.65% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | AFLAC | $6K | $0 | $6K | 3.15% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $5K | $28 | $5K | 2.87% |
| CHRISTINA DIANE HARRIMAN3 Filed as: CHRISTINA HARRIMAN | 6810 SW 134TH AVENUE MIAMI, FL 33183 | AFLAC | $5K | $0 | $5K | 2.54% |
| ELIZABETH MARIA SARDINAS TORRES3 Filed as: ELIZABETH SARDINAS TORRES | 15453 SW 139TH STREET MIAMI, FL 33196 | AFLAC | $2K | $140 | $2K | 1.19% |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 785 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 785 | $225K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $240K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $240K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $240K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.