| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA MEDICAL PLAN, INC. | $25K | — | $25K | 3.55% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVENUE SUITE 20 TINTON FALLS, NJ 07701 | HUMANA MEDICAL PLAN, INC. | $15K | — | $15K | 2.08% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA MEDICAL PLAN, INC. | $2K | — | $2K | 3.27% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVENUE SUITE 20 TINTON FALLS, NJ 07701 | HUMANA MEDICAL PLAN, INC. | $2K | — | $2K | 2.25% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $1K | $217 | $2K | 3.23% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY MARTIN | 500 BAYVIEW DRIVE APARTMENT 328 SUNNY ISLES BEACH, FL 33160 | AFLAC | $670 | $136 | $806 | 1.56% |
| EDWARD BOSELLI3 | 8215 MIZNER LANE BOCA RATON, FL 33433 | AFLAC | $726 | $2 | $728 | 1.41% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $449 | $139 | $588 | 1.14% |
| DENNIS NIEVES LOPEZ3 | 1500 NORTHEAST 136TH STREET APARTMENT 2 NORTH MIAMI, FL 33161 | AFLAC | $235 | $116 | $351 | 0.68% |
| SHARONA ABADI3 | 1835 NORTHEAST MIAMI GARDENS DRIVE SUITE 335 NORTH MIAMI BEACH, FL 33179 | AFLAC | $251 | $64 | $315 | 0.61% |
| V V BENEFIT SOLUTIONS INC3 | 15704 75TH LANE NORTH LOXAHATCHEE, FL 33470 | AFLAC | $243 | $51 | $294 | 0.57% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $169 | — | $169 | 0.33% |
| AILEEN KEENAN3 | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $127 | $12 | $139 | 0.27% |
| TOMAS FLORES3 | 2030 HUDSON STREET APARTMENT 942 FORT LEE, NJ 07024 | AFLAC | $100 | — | $100 | 0.19% |
| JONATHAN A HERNANDEZ3 Filed as: JONATHAN HERNANDEZ | 6750 NORTH ANDREWS AVENUE SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $88 | — | $88 | 0.17% |
| RACHELLE EMILCAR3 | 4307 COHUNE PALM COURT LAKE WORTH, FL 33463 | AFLAC | $65 | $18 | $83 | 0.16% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR ROAD TEQUESTA, FL 33469 | AFLAC | $43 | $15 | $58 | 0.11% |
| JEANNINE CAPPUSO3 | 19335 LINWOOD DRIVE CLINTON TWP, MI 48038 | AFLAC | $52 | — | $52 | 0.10% |
| BROOKS VENTURES INC3 | 7111 NORTHWEST 46TH COURT LAUDERHILL, FL 33319 | AFLAC | $31 | $8 | $39 | 0.08% |
| ORTS ENTERPRISES INC3 | 920 FLORAL BANK PT WOODSTOCK, GA 30188 | AFLAC | $37 | — | $37 | 0.07% |
| MARIA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $34 | — | $34 | 0.07% |
| EDUARDO LAMAS3 | 621 NORTHWEST 10TH COURT BOYNTON BEACH, FL 33426 | AFLAC | $30 | — | $30 | 0.06% |
| SHAWN LANDECK3 | 102 NORTHEAST 2ND STREET SUITE 102 BOCA RATON, FL 33432 | AFLAC | $28 | — | $28 | 0.05% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 4470 WOODMAN AVENUE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $27 | — | $27 | 0.05% |
| ROBENSON REMELUS3 | 1220 NORTHWEST 103RD LANE APARTMENT 426 MIAMI, FL 33147 | AFLAC | $25 | — | $25 | 0.05% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $18 | — | $18 | 0.03% |
| MORRIS & REYNOLDS INC3 Filed as: MORRIS AND REYNOLDS INC | 10395 SOUTHWEST 58TH COURT MIAMI, FL 33156 | AFLAC | $17 | — | $17 | 0.03% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 NORTH ORACLE ROAD PMB 152 TUCSON, AZ 85704 | AFLAC | $16 | — | $16 | 0.03% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $12 | — | $12 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $5 | — | $5 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $5 | — | $5 | 0.01% |
| SCOTT WEBB3 | 26729 NORTH 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID 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% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 5.68% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVENUE SUITE 20 TINTON FALLS, NJ 07701 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 3.64% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $612 | $3K | 18.75% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $525 | $525 | 3.13% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $605 | $3K | 19.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $519 | $519 | 3.36% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $475 | $3K | 18.71% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $407 | $407 | 3.04% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | HUMANA INSURANCE COMPANY | $620 | — | $620 | 5.86% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVENUE SUITE 20 TINTON FALLS, NJ 07701 | HUMANA INSURANCE COMPANY | $365 | — | $365 | 3.45% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $446 | $446 | 4.63% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $382 | $382 | 3.97% |
| MORRIS & REYNOLDS INC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | COMPBENEFITS COMPANY | $505 | — | $505 | 5.92% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVENUE SUITE 20 TINTON FALLS, NJ 07701 | COMPBENEFITS COMPANY | $295 | — | $295 | 3.46% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA MEDICAL PLAN, INC. | 113 | $772K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 73 | $46K |
| Vision | HUMANA INSURANCE COMPANY | 154 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $15K |
| Other(4 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 166 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.