| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA MEDICAL PLAN, INC | $50K | — | $50K | 5.94% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $5K | $256 | $5K | 6.80% |
| SHIRLEY E MARTIN3 | 500 BAYVIEW DRIVE APARTMENT 328 SUNNY ISLES BEACH, FL 33160 | AFLAC | $3K | $35 | $3K | 3.65% |
| V V BENEFIT SOLUTIONS INC3 | 15704 75TH LANE NORTH APARTMENT 16G LOXAHATCHEE, FL 33470 | AFLAC | $1K | $135 | $1K | 1.76% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NORTHEAST 136TH STREET APARTMENT 2 NORTH MIAMI, FL 33161 | AFLAC | $1K | — | $1K | 1.71% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $1K | — | $1K | 1.65% |
| SHARONA ABADI3 | 1835 NORTHEAST MIAMI GARDENS DRIVE SUITE 335 NORTH MIAMI BEACH, FL 33179 | AFLAC | $1K | $78 | $1K | 1.61% |
| RACHELLE EMILCAR3 | 4307 COHUNE PALM COURT GREENACRES, FL 33463 | AFLAC | $661 | — | $661 | 0.94% |
| TOMAS E FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NC 07024 | AFLAC | $389 | $95 | $484 | 0.69% |
| EDWARD JOHN BOSELLI3 | 6102 WHEATLEY COURT BOYNTON BEACH, FL 33436 | AFLAC | $383 | $6 | $389 | 0.56% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NORTHWEST 36TH COUNT CORAL SPRINGS, FL 33065 | AFLAC | $333 | $27 | $360 | 0.51% |
| JEANNINE CAPPUSO3 Filed as: JEANNINE MARIE CAPPUSO | 7801 NORTH FEDERAL HIGHWAY BUILDING 4-202 BOCA RATON, FL 33487 | AFLAC | $268 | $84 | $352 | 0.50% |
| SANTA MAYELIN HERNANDEZ3 | 19400 CHRISTMAS ROAD CUTLER BAY, FL 33157 | AFLAC | $267 | $84 | $351 | 0.50% |
| JEAN RALPH CAZE3 | 301 NORTH PINE ISLAND ROAD BUILDING 6 APARTMENT 119 PLANTATION, FL 33324 | AFLAC | $273 | — | $273 | 0.39% |
| GIGI NAVARRO3 | 2285 SHIMMERY LANE LAKE WORTH, FL 33462 | AFLAC | $193 | $57 | $250 | 0.36% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $226 | — | $226 | 0.32% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR ROAD TEQUESTA, FL 33469 | AFLAC | $147 | — | $147 | 0.21% |
| TIFFANY JOHNSON3 | 7704 SOUTHWEST 4TH PLACE NORTH LAUDERDALE, FL 33068 | AFLAC | $119 | — | $119 | 0.17% |
| JONATHAN A HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $115 | — | $115 | 0.16% |
| BROOKS VENTURES INC3 | 7111 NORTHWEST 46TH COURT LAUDERHILL, FL 33319 | AFLAC | $78 | — | $78 | 0.11% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $58 | $17 | $75 | 0.11% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $56 | $17 | $73 | 0.10% |
| ORTS ENTERPRISES INC3 | 14551 SOUTH TRAVEL DRIVE UNITE 432 DRAPER, UT 84020 | AFLAC | $52 | $9 | $61 | 0.09% |
| SHAWN M LANDECK3 | 102 NORTHEAST 2ND STREET SUITE 800 BOCA RATON, FL 33432 | AFLAC | $60 | — | $60 | 0.09% |
| ROBENSON REMELUS3 | 1220 NORTHWEST 103RD LANE APARTMENT 426 MIAMI, FL 33147 | AFLAC | $54 | — | $54 | 0.08% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 10395 SOUTHWEST 58TH COURT MIAMI, FL 33156 | AFLAC | $35 | — | $35 | 0.05% |
| EDUARDO LAMAS3 | 621 NORTHWEST 10TH COURT BOYNTON BEACH, FL 33426 | AFLAC | $32 | — | $32 | 0.05% |
| BRIANNA GRACE BARR3 | 638 LINDELL BOULEVARD DELRAY BEACH, FL 33444 | AFLAC | $30 | — | $30 | 0.04% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVENUE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $30 | — | $30 | 0.04% |
| SANDRA L SARFF3 | 7090 NORTH ORACLE ROAD PMB 152 TUCSON, AS 85704 | AFLAC | $17 | — | $17 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $17 | — | $17 | 0.02% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $13 | — | $13 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT WEBB3 | 26729 NORTH 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $5 | — | $5 | 0.01% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $5 | — | $5 | 0.01% |
| DE VITA B MCKENZIE3 | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.00% |
| TRAVIS HERNANDEZ3 Filed as: TRAVIS ANDREW HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY A KLEINMAN SR3 | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PLACE LAS VEGAS, NV 89135 | AFLAC | $0 | — | $0 | 0.00% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.91% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.92% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COMPBENEFITS COMPANY | $1K | — | $1K | 9.91% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC | 108 | $836K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 68 | $46K |
| Vision | HUMANA INSURANCE COMPANY | 143 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $17K |
| Other(3 contracts, 2 carriers) | AFLAC | 139 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.