| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $61K | $61K | 6.71% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED HEALTH CARE INSURANCE COMPANY | $7K | — | $7K | 5.09% |
| MARILYN JEAN MILLIGAN3 | 25 PERSEVERE DRIVE STAFFORD, VA 22554 | AFLAC | $3K | $71 | $3K | 5.17% |
| SHIRLEY E MARTIN3 | 500 BAYVIEW DRIVE #324 SUNNY ISLES BEACH, FL 33160 | AFLAC | $2K | $165 | $3K | 4.30% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $2K | $47 | $2K | 4.29% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $1K | $47 | $1K | 2.48% |
| PIERRE ALFRED DESROCHES3 | 582 NORTH WEST 94TH STREET MIAMI, FL 33150 | AFLAC | $874 | $2 | $876 | 1.50% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT ROVE, FL 33133 | AFLAC | $180 | — | $180 | 0.31% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 10395 SOUTH WEST 58TH COURT MIAMI, FL 33176 | AFLAC | $167 | — | $167 | 0.29% |
| TRAVIS HERNANDEZ3 Filed as: TRAVIS ANDREW HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $148 | — | $148 | 0.25% |
| SHAWN M LANDECK3 | 949 MARBLE WAY BOCA RATON, FL 33432 | AFLAC | $144 | — | $144 | 0.25% |
| ROBENSON REMELUS3 | PO BOX 681425 MIAMI, FL 33168 | AFLAC | $136 | — | $136 | 0.23% |
| DE VITA B MCKENZIE3 | 110 SOUTH EAST 6TH STREET SUITE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $119 | — | $119 | 0.20% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $106 | — | $106 | 0.18% |
| EDUARDO LAMAS3 | 25025 SOUTHWEST 202ND AVENUE HOMESTEAD, FL 33031 | AFLAC | $37 | — | $37 | 0.06% |
| ROBENSON REMELUS3 | 11077 BISCAYNE BOULEVARD SUITE 404 MIAMI, FL 33161 | AFLAC | $36 | — | $36 | 0.06% |
| V V BENEFIT SOLUTIONS INC3 Filed as: VV BENEFIT SOLUTIONS INC | 15704 75TH LANE NORTH LOXAHATCHEE, FL 33470 | AFLAC | $32 | — | $32 | 0.05% |
| CHAD P SCHNEIDER3 | 14430 BENEFIT STREET APARTMENT 308 SHERMAN OAKS, CA 91423 | AFLAC | $26 | — | $26 | 0.04% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $23 | — | $23 | 0.04% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NORTHEAST 136TH STREET APARTMENT 2 NORTH MIAMI, FL 33161 | AFLAC | $21 | — | $21 | 0.04% |
| SANDRA L SARFF3 | 7090 NORTH ORACLE ROAD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $15 | — | $15 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NORTHEAST 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $15 | — | $15 | 0.03% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $15 | — | $15 | 0.03% |
| DWIGHT L PIERCE3 | 1200 EAST TAFT AVENUE DIVISION 3 SAPULPA, OK 74066 | AFLAC | $11 | — | $11 | 0.02% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SOUTHWEST BAYBERRY AVENUE PORT ST LUCIE, FL 34987 | AFLAC | $10 | — | $10 | 0.02% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $9 | — | $9 | 0.02% |
| SHARONA ABADI3 | 1835 NORTHEAST MIAMI GARDENS DRIVE SUITE 335 NORTH MIAMI BEACH, FL 33179 | AFLAC | $9 | — | $9 | 0.02% |
| STEVE D SERVI3 | 6421 CONGRESS AVENUE SUITE 100 BOCA RATON, FL 33487 | AFLAC | $9 | — | $9 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | AFLAC | $8 | — | $8 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NORTHEAST 163RD STREET FLOOR 2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $8 | — | $8 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $7 | — | $7 | 0.01% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $7 | — | $7 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $7 | — | $7 | 0.01% |
| STEVE D SERVI3 | 1451 WEST CYPRESS CREEK ROAD SUITE 300 FORT LAUDERDALE, FL 33309 | AFLAC | $6 | — | $6 | 0.01% |
| RLT FINANCIAL ASSOC INC3 Filed as: RLT FINANCIAL ASSOCIATION INC | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $5 | — | $5 | 0.01% |
| SCOTT WEBB3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $5 | — | $5 | 0.01% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWSET KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.01% |
| 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 Filed as: MORRIS & REYNOLDS INSURANCE | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS & REYNOLDS INSURANCE | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 228 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $22K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $28K |
| Other(3 contracts, 2 carriers) | AFLAC | 226 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.