| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA MEDICAL PLAN, INC. | $78K | — | $78K | 6.27% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.54% |
| MARILYN JEAN MILLIGAN3 | PO BOX 265 PORT SALERNO, FL 34992 | AFLAC | $3K | — | $3K | 8.68% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $2K | — | $2K | 7.07% |
| SHIRLEY E MARTIN3 | 500 BAYVIEW DRIVE #324 SUNNY ISLES BEACH, FL 33160 | AFLAC | $2K | — | $2K | 5.48% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $2K | $2 | $2K | 4.64% |
| JONATHAN A HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $1K | — | $1K | 4.25% |
| ROBENSON REMELUS3 | PO BOX 681425 MIAMI, FL 33168 | AFLAC | $1K | — | $1K | 4.14% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 10395 SOUTHWEST 58TH COURT MIAMI, FL 33176 | AFLAC | $1K | — | $1K | 3.17% |
| TRAVIS HERNANDEZ3 Filed as: TRAVIS ANDREW HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $538 | — | $538 | 1.54% |
| SHAWN M LANDECK3 | 949 MARBLE WAY BOCA RATON, FL 33432 | AFLAC | $509 | — | $509 | 1.46% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NORTHEAST 136TH STREET APARTMENT 2 NORTH MIAMI, FL 33161 | AFLAC | $62 | — | $62 | 0.18% |
| EDUARDO LAMAS3 | 25025 WOUTHWEST 202ND AVENUE HOMESTEAD, FL 33031 | AFLAC | $30 | — | $30 | 0.09% |
| CHAD P SCHNEIDER3 | 14430 BENEFIT STREET APARTMENT 308 SHERMAN OAKS, CA 91423 | AFLAC | $20 | — | $20 | 0.06% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $18 | — | $18 | 0.05% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 8919 NORTHEAST 4TH AVENUE ROAD MIAMI SHORES, FL 33138 | AFLAC | $18 | — | $18 | 0.05% |
| SANDRA L SARFF3 | 7090 NORTH ORACLE ROAD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $12 | — | $12 | 0.03% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $9 | — | $9 | 0.03% |
| DWITH L PIERCE3 | 1200 EAST TAFT AVENUE DIVISION 3 SAPULPA, OK 74066 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT WEBB3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2002 EASTWOOD ROAD SUITE 301 WILMINGTON, NC 28403 | AFLAC | $1 | — | $1 | 0.00% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COMPBENEFITS COMPANY | $951 | — | $951 | 5.25% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 146 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 114 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 114 | $53K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $23K |
| Other(3 contracts, 2 carriers) | AFLAC | 255 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.