| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDRO H PERAZA3 Filed as: PEDRO H. PERAZA AND OTHER AGENTS | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $699 | $0 | $699 | 2.14% |
| ROBERT L. CAHN3 | 3731 NORTH COUNTRY CLUB DRIVE APARTMENT 2225 AVENTURA, FL 33180 | AFLAC | $681 | $0 | $681 | 2.09% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $650 | $0 | $650 | 1.99% |
| LILIANNE OUIMET3 Filed as: LILIANNE V. OUIMET | EIGHT CRAWFORD AVENUE EXETER, NH 03833 | AFLAC | $386 | $0 | $386 | 1.18% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $282 | $0 | $282 | 0.86% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $238 | $0 | $238 | 0.73% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $213 | $0 | $213 | 0.65% |
| ROBERT STADMIRE3 | 19510 BELMONT DRIVE CUTLER BAY, FL 33157 | AMERICAN NATIONAL INSURANCE COMPANY | $1K | $0 | $1K | 54.32% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $173K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $173K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $175K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $173K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $173K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.