| 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 | $18K | $0 | $18K | 5.56% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $25K | $2K | $27K | 8.36% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $13K | $1K | $14K | 4.49% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | AFLAC | $11K | $0 | $11K | 3.55% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $8K | $636 | $9K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA AND OTHER AGENTS | PO BOX 904037 CHARLOTTE, NC 28290 | AFLAC | $6K | $273 | $6K | 1.85% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $4K | $0 | $4K | 1.35% |
| CHRISTINA DIANE HARRIMAN3 Filed as: CHRISTINA HARRIMAN | 6810 SW 134TH AVENUE MIAMI, FL 33183 | AFLAC | $2K | $582 | $2K | 0.76% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.04% |
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 | 784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $286K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $252K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 784 | $329K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 784 | $329K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 784 | $329K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 784 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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.