| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.02% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TER, SUITE 300 MIAMI, FL 33155 | AFLAC | $14K | $623 | $15K | 5.66% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 101 PEMBROKE PINES, FL 33027 | AFLAC | $9K | $0 | $9K | 3.67% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $8K | $597 | $8K | 3.21% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $7K | $592 | $8K | 3.09% |
| MJ INSURANCE3 Filed as: MARIA CARDENAL AND VARIOUS AGENTS | 10301 SW 98TH AVENUE MIAMI, FL 33176 | AFLAC | $3K | $1K | $4K | 1.73% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $2K | $0 | $2K | 0.67% |
| ELIZABETH MARIA SARDINAS TORRES3 | 15453 SW 139TH STREET MIAMI, FL 33196 | AFLAC | $512 | $0 | $512 | 0.20% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.99% |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,012 | $345K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,012 | $319K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 659 | $502K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 659 | $244K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 659 | $244K |
| Other(2 contracts, 2 carriers) | AFLAC | 659 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.