| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED HEALTH CARE INSURANCE COMPANY | $5K | $56K | $61K | 7.22% |
| SHIRLEY E MARTIN3 | 500 BAYVIEW DRIVE APT. 328 SUNNY ISLES BEACH, FL 33160 | AFLAC | $2K | — | $2K | 3.28% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $2K | $6 | $2K | 3.22% |
| MARILYN JEAN MILLIGAN3 | PO BOX 101 STAFFORD, VA 22555 | AFLAC | $977 | $29 | $1K | 2.14% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $748 | $6 | $754 | 1.60% |
| JONATHAN A HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $525 | — | $525 | 1.12% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUDE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $216 | — | $216 | 0.46% |
| MARILYN JEAN MILLIGAN3 | 25 PERSEVERE DRIVE STAFFORD, VA 22554 | AFLAC | $130 | — | $130 | 0.28% |
| ROBENSON REMELUS3 | 11077 BISCAYNE BLVD SUITE 404 MIAMI, FL 33161 | AFLAC | $104 | — | $104 | 0.22% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 10395 SOUTH WEST 58TH COURT MIAMI, FL 33176 | AFLAC | $94 | — | $94 | 0.20% |
| MELISSA MONOKIAN3 Filed as: MELISSA JANE MONOKIAN | 4110 SW 194 TERRACE MIRAMAR, FL 33029 | AFLAC | $82 | — | $82 | 0.17% |
| SHAWN M LANDECK3 | 150 E PALMETTO PARK RD SUITE 800 BOCA RATON, FL 33432 | AFLAC | $75 | — | $75 | 0.16% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $62 | — | $62 | 0.13% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $42 | — | $42 | 0.09% |
| SHAWN M LANDECK3 | 949 MARBLE WAY BOCA RATON, FL 33432 | AFLAC | $40 | — | $40 | 0.08% |
| EDUARDO LAMAS3 | 25025 SOUTHWEST 202ND AVENUE HOMESTEAD, FL 33031 | AFLAC | $30 | — | $30 | 0.06% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT ROVE, FL 33133 | AFLAC | $29 | — | $29 | 0.06% |
| TRAVIS HERNANDEZ3 Filed as: TRAVIS ANDREW HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $29 | — | $29 | 0.06% |
| CHAD P SCHNEIDER3 | 14430 BENEFIT ST APT 308 SHERMAN OAKS, CA 91423 | AFLAC | $27 | — | $27 | 0.06% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $24 | — | $24 | 0.05% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $21 | — | $21 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $21 | — | $21 | 0.04% |
| V V BENEFIT SOLUTIONS INC3 Filed as: VV BENEFIT SOLUTIONS INC | 15704 75TH LANE N LOXAHATCHEE, FL 33470 | AFLAC | $19 | — | $19 | 0.04% |
| SANDRA L SARFF3 | 7090 N ORACLE RD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $16 | — | $16 | 0.03% |
| DE VITA B MCKENZIE3 | 110 SOUTH EAST 6TH STREET SUITE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $14 | — | $14 | 0.03% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $12 | — | $12 | 0.03% |
| STEVE D SERVI3 | 6421 CONGRESS AVE SUITE 100 BOCA RATON, FL 33487 | AFLAC | $9 | — | $9 | 0.02% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $8 | — | $8 | 0.02% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $6 | — | $6 | 0.01% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $6 | — | $6 | 0.01% |
| SHARONA ABADI3 | 1835 NE MIAMI GARDENS DRIVE SUITE 335 NORTH MIAMI BEACH, FL 33179 | AFLAC | $5 | — | $5 | 0.01% |
| TOMAS E FLORES3 | 151 SE 3RD AVE APT 411 DELRAY BEACH, FL 33483 | AFLAC | $5 | — | $5 | 0.01% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $5 | — | $5 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NE 163 RD ST FLOOR 2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $5 | — | $5 | 0.01% |
| RLT FINANCIAL ASSOC INC3 | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $3 | — | $3 | 0.01% |
| PIERRE ALFRED DESROCHES3 | 2255 NW 119TH STREET APT 13 MIAMI, FL 33167 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE DR SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NE 136TH ST APT 2 NORTH MIAMI, FL 33161 | AFLAC | $1 | — | $1 | 0.00% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| DWIGHT L PIERCE3 | 1200 E TAFT AVE DIVISION 3 SAPULPA, OK 74066 | 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 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.52% |
| 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 | $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 | 214 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 197 | $845K |
| Dental | UNITED HEALTH CARE INSURANCE COMPANY | 197 | $845K |
| Vision | STANDARD INSURANCE COMPANY | 255 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $19K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $21K |
| Other(3 contracts, 2 carriers) | AFLAC | 214 | $78K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.