| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SW 72ND STREET, STE 226 MIAMI, FL 331735494 | HUMANA MEDICAL PLAN, INC. | $86K | — | $86K | 4.60% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA BENEFITS GROUP, INC. | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | PROSPERITY LIFE GROUP | $22K | — | $22K | 12.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH COURT SUITE 1612 MIAMI, FL 33156 | SOLSTICE BENEFITS, INC | $19K | — | $19K | 13.42% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS INC | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | AFLAC | $6K | $104 | $6K | 11.69% |
| ANA MARIA LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $2K | $144 | $3K | 5.27% |
| CARLA NICOLE LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $2K | $95 | $2K | 4.77% |
| RICARDO GARCIA DIAZ3 | 3877 STEWART AVE MIAMI, FL 33133 | AFLAC | $2K | $285 | $2K | 4.32% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $2K | $4 | $2K | 3.11% |
| MANUEL A. LEON3 Filed as: MANUEL A LEON | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $864 | $579 | $1K | 2.96% |
| RAFAEL JOSE VALDES3 | 7540 SW 56TH CT MIAMI, FL 33143 | AFLAC | $760 | — | $760 | 1.56% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $287 | $133 | $420 | 0.86% |
| CERTUS INSURANCE ADVISORS LLC3 | 10625 N KENDALL DR MIAMI, FL 33176 | AFLAC | $362 | — | $362 | 0.74% |
| INGRID MARISA FARRELL3 | 5805 SW 96TH ST PINECREST, FL 33156 | AFLAC | $131 | — | $131 | 0.27% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | AFLAC | $56 | — | $56 | 0.11% |
| ANGEL M. MOLINA3 Filed as: ANGEL M MOLINA | 6320 SW 25TH ST MIAMI, FL 33155 | AFLAC | $39 | — | $39 | 0.08% |
| TRACY L REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $19 | — | $19 | 0.04% |
| LEE P COHEN3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $14 | — | $14 | 0.03% |
| KCI FINANCIAL SERV. INC3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $8 | — | $8 | 0.02% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $7 | — | $7 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.00% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $1 | — | $1 | 0.00% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 8950 SW 74TH CT STE 1612 MIAMI, FL 33156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $796 | — | $796 | 10.00% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 231 | $1.9M |
| Dental(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 390 | $2.0M |
| Vision(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 390 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11 | $8K |
| Other(3 contracts, 3 carriers) | PROSPERITY LIFE GROUP | 182 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.