| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: PA WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $49K | $56K | 6.39% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $502 | $5K | 16.73% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $929 | — | $929 | 3.59% |
| SHIRLEY E MARTIN3 | 500 BAYVIEW DRIVE APARTMENT 328 SUNNY ISLES BEACH, FL 33160 | AFLAC | $620 | — | $620 | 2.40% |
| L A D FINANCIAL CORP3 | 13855 EMERSON STREET APARTMENT 204 PALM BEACH GARDENS, FL 33418 | AFLAC | $125 | — | $125 | 0.48% |
| EDWARD JOHN BOSELLI3 | 3207 CLINT MOORE ROAD APARTMENT 101 BOCA RATON, FL 33496 | AFLAC | $112 | — | $112 | 0.43% |
| SHARONA ABADI3 | 1835 NORTHEAST MIAMI GARDENS DRIVE PMB 335 NORTH MIAMI BEACH, FL 33179 | AFLAC | $104 | — | $104 | 0.40% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $97 | — | $97 | 0.37% |
| V V BENEFIT SOLUTIONS INC3 Filed as: VV BENEFIT SOLUTIONS INC | 15704 75TH LANE NORTH LOXAHATCHEE, FL 33470 | AFLAC | $91 | — | $91 | 0.35% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 7400 SOUTHWEST TERRACE MIAMI, FL 33155 | AFLAC | $66 | — | $66 | 0.25% |
| JONATHAN A HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $62 | — | $62 | 0.24% |
| KYLE RUSSEY3 | 10380 NORTHWEST 52ND STREET CORAL SPRINGS, FL 33076 | AFLAC | $53 | — | $53 | 0.20% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON BENEFITS, INC | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $50 | — | $50 | 0.19% |
| TOMAS E FLORES3 | 2030 HUDSON STREET APARTMENT 942 FORT LEE, NJ 07024 | AFLAC | $41 | — | $41 | 0.16% |
| CHRISTOPHER LEE INS AGENCY LLC3 Filed as: CHRISTOPHER D LEE | 759 SOUTHWEST FEDERAL HIGHWAY SUITE 218 STUART, FL 34994 | AFLAC | $35 | — | $35 | 0.14% |
| JEANNINE CAPPUSO3 Filed as: JEANNINE MARIE CAPPUSO | 44355 DELACROIX LANE CLINTON TOWNSHIP, MI 48038 | AFLAC | $30 | — | $30 | 0.12% |
| ORTS ENTERPRISES INC3 | 920 FLORAL BANK PT WOODSTOCK, GA 30188 | AFLAC | $29 | — | $29 | 0.11% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $28 | — | $28 | 0.11% |
| EDUARDO LAMAS3 | 601 NORTHWEST 10TH COURT BOYNTON BEACH, FL 33426 | AFLAC | $27 | — | $27 | 0.10% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $25 | — | $25 | 0.10% |
| CHAD P SCHNEIDER3 | 22213 1/2 ERWIN STREET WOODLAND HILLS, CA 91367 | AFLAC | $25 | — | $25 | 0.10% |
| ETHAN GREET3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $23 | — | $23 | 0.09% |
| BRIAN GEORGE JAEGGI3 | 2875 NORTHWEST 28TH STREET BOCA RATON, FL 33434 | AFLAC | $20 | — | $20 | 0.08% |
| CHRISTOPHER ALLEN BROOKS3 | 7111 NORTHWEST 46TH COURT LAUDERHILL, FL 33319 | AFLAC | $20 | — | $20 | 0.08% |
| SHAWN M LANDECK3 | 102 NORTHEAST 2ND STREET PMB 102 BOCA RATON, FL 33432 | AFLAC | $19 | — | $19 | 0.07% |
| SANTA MAYELIN HERNANDEZ3 | 19400 CHRISTMAS ROAD CUTLER BAY, FL 33157 | AFLAC | $17 | — | $17 | 0.07% |
| ROBENSON REMELUS3 | 1220 NORTHWEST 103RD LAND APARTMENT 426 MIAMI, FL 33147 | AFLAC | $17 | — | $17 | 0.07% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR ROAD TEQUESTA, FL 33469 | AFLAC | $15 | — | $15 | 0.06% |
| SANDRA L SARFF3 | 3811 EAST CHICO LANE TUCSON, AZ 85739 | AFLAC | $15 | — | $15 | 0.06% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | AFLAC | $13 | — | $13 | 0.05% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $11 | — | $11 | 0.04% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $6 | — | $6 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 7294 PANACHE WAY BOCA RATON, FL 33433 | AFLAC | $6 | — | $6 | 0.02% |
| SCOTT WEBB3 | 26729 NORTH 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $5 | — | $5 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDNG TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD PMB 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $434 | $4K | 16.68% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $417 | $4K | 16.75% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $148 | $148 | 3.46% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | PREFERRED LEGAL PLAN | $208 | — | $208 | 19.53% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $869K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $869K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $869K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $24K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.