| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.02% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $312 | $0 | $312 | 3.88% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $183 | $0 | $183 | 2.28% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $70 | $0 | $70 | 0.87% |
| JOAN NITZBURG3 Filed as: JOAN CAROL NITZBURG | 13220 NW 11TH DR SUNRISE, FL 33323 | AFLAC | $62 | $0 | $62 | 0.77% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $33 | $0 | $33 | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DR FL 10 MIAMI, FL 33131 | AFLAC | $28 | $0 | $28 | 0.35% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $17 | $0 | $17 | 0.21% |
| GABRIELA E DEPILLIS3 | 1865 79TH STREET CSWY APT 7K NORTH BAY VILLAGE, FL 33141 | AFLAC | $11 | $0 | $11 | 0.14% |
| INGRID MARISA FARRELL3 | 5805 SW 96TH ST PINECREST, FL 33156 | AFLAC | $10 | $0 | $10 | 0.12% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $10 | $0 | $10 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $8 | $0 | $8 | 0.10% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $6 | $0 | $6 | 0.07% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $3 | $0 | $3 | 0.04% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | $0 | $2 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $2 | $0 | $2 | 0.02% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | $0 | $1 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AZ 72714 | AFLAC | $1 | $0 | $1 | 0.01% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 238 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $258K |
| Vision | EYEMED VISION CARE | 557 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 349 | $388K |
| Short-term disability | STANDARD INSURANCE COMPANY | 349 | $388K |
| Long-term disability | STANDARD INSURANCE COMPANY | 349 | $388K |
| Prescription drug | HEALTH OPTIONS, INC | 52 | $461K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 349 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.