| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA MEDICAL PLAN, INC | $60K | — | $60K | 5.99% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 9.99% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY MARTIN | 500 BAYVIEW DRIVE APT 328 SUNNY ISLES BEACH, FL 33160 | AFLAC | $2K | $125 | $2K | 5.51% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $1K | $72 | $1K | 3.39% |
| GIGI NAVARRO3 | 4413 TUSCANY WAY BOYNTON BEACH, FL 33435 | AFLAC | $538 | — | $538 | 1.43% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $341 | $48 | $389 | 1.04% |
| MARILYN JEAN MILLIGAN3 Filed as: MARILYN MILLIGAN | PO BOX 422 PORT SALERNO, VA 34992 | AFLAC | $306 | $61 | $367 | 0.98% |
| TOMAS FLORES3 | 1054 GATEWAY BOULEVARD SUITE 107 BOYNTON BEACH, FL 33426 | AFLAC | $325 | $2 | $327 | 0.87% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $165 | $42 | $207 | 0.55% |
| SHAWN M LANDECK3 | 150 EAST PALMETTO PARK ROAD SUITE 800 BOCA RATON, FL 33432 | AFLAC | $69 | — | $69 | 0.18% |
| ROBENSON REMELUS3 | 1220 NORTHWEST 103RD LANE APPARTMENT 426 MIAMI, FL 33147 | AFLAC | $62 | — | $62 | 0.17% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 10395 SOUTH WEST 58TH COURT MIAMI, FL 33176 | AFLAC | $43 | — | $43 | 0.11% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT ROVE, FL 33133 | AFLAC | $28 | — | $28 | 0.07% |
| EDUARDO LAMAS3 | 25025 SOUTHWEST 202ND AVENUE HOMESTEAD, FL 33031 | AFLAC | $27 | — | $27 | 0.07% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 360 WEST HUBBARD STREET APPARTMENT 1105 CHICAGO, IL 60654 | AFLAC | $25 | — | $25 | 0.07% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $23 | — | $23 | 0.06% |
| MARIA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $22 | — | $22 | 0.06% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 NORTH ORACLE ROAD PMB 152 TUCSON, AZ 85704 | AFLAC | $15 | — | $15 | 0.04% |
| MELISSA MONOKIAN3 | 4110 SW 194 TERRACE MIRAMAR, FL 33029 | AFLAC | $6 | $8 | $14 | 0.04% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 1050 BISHOP STREET SUITE 120 HONOLULU, HI 96813 | AFLAC | $14 | — | $14 | 0.04% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $12 | — | $12 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $12 | — | $12 | 0.03% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $11 | — | $11 | 0.03% |
| TRAVIS HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $5 | — | $5 | 0.01% |
| SCOTT WEBB3 | 12366 WEST MILTON DRIVE PEORIA, AZ 85383 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL HIGHWAY KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DRIVE 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% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.11% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $201 | — | $201 | 0.83% |
| 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 | $4K | — | $4K | 20.00% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COMPBENEFITS COMPANY | $987 | — | $987 | 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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC | 124 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 77 | $58K |
| Vision | STANDARD INSURANCE COMPANY | 296 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $21K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $20K |
| Other(3 contracts, 2 carriers) | AFLAC | 207 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.