| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. CAHN3 | 3731 NORTH COUNTRY CLUB DRIVE APARTMENT 2225 AVENTURA, FL 33180 | AFLAC | $2K | $0 | $2K | 4.84% |
| LILIANNE OUIMET3 Filed as: LILIANNE V. OUIMET AND OTHER AGENTS | EIGHT CRAWFORD AVENUE EXETER, NH 03833 | AFLAC | $2K | $0 | $2K | 4.63% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $1K | $0 | $1K | 3.20% |
| LON R KOLSTAD3 Filed as: LON R. KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $1K | $0 | $1K | 3.16% |
| SERGIO MANUEL MORA3 | PO BOX 246363 PEMBROKE PINES, FL 33024 | AFLAC | $1K | $0 | $1K | 2.57% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $607 | $0 | $607 | 1.38% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $482 | $0 | $482 | 1.09% |
| ROBERT STADMIRE3 | 19510 BELMONT DRIVE CUTLER BAY, FL 33157 | AMERICAN NATIONAL INSURANCE COMPANY | $1K | $0 | $1K | 40.20% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $222K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $222K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $225K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $222K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $222K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.