| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | $0 | $86K | 3.27% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 1.59% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 10.00% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| TRACY L REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.99% |
| MICHAEL DEVAUX3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.00% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH FLORIDA FINANCIAL CORP | 3664 COOLIDGE COURT TALLAHASSEE, FL 32311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.12% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.09% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.82% |
| AMERICAN INS PLUS LLC3 | 8131 BAUTISTA WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | $0 | $466 | 2.74% |
| MIKE DEVAUX3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | $0 | $391 | 2.29% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | $0 | $99 | 0.58% |
| TRACY REEVES3 | 16273 SW 9TH STREET PEMBROKE PINES, FL 33027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.53% |
| TOMORROWS SOLUTION INC3 | 2841 NE 55TH PLACE FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.48% |
| TOMORROWS SOLUTION INC3 | 2841 NE 55TH PLACE FL LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.22% |
| TRACY L REEVES3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $359 | $0 | $359 | 3.39% |
| LEE P COHEN3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $205 | $0 | $205 | 1.93% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $88 | $0 | $88 | 0.83% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $26 | $0 | $26 | 0.25% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $23 | $0 | $23 | 0.22% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $21 | $0 | $21 | 0.20% |
| FRANCO CALVO3 | 2500 PARKVIEW DR APT 1815 HALLANDALE BEACH, FL 33009 | AFLAC | $19 | $0 | $19 | 0.18% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $17 | $0 | $17 | 0.16% |
| THE MASTERS AGENCY INC3 | 4192 PENINSULA PT SANFORD, FL 32771 | AFLAC | $14 | $0 | $14 | 0.13% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $10 | $0 | $10 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $10 | $0 | $10 | 0.09% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $9 | $0 | $9 | 0.08% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $9 | $0 | $9 | 0.08% |
| KCI FINANCIAL SERV. INC3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $8 | $0 | $8 | 0.08% |
| KEYSTONE BENEFIT GROUP3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | AFLAC | $7 | $0 | $7 | 0.07% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY CT CASSELBERRY, FL 32707 | AFLAC | $7 | $0 | $7 | 0.07% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $6 | $0 | $6 | 0.06% |
| JAMEY MILLER INC3 | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $5 | $0 | $5 | 0.05% |
| DEAN W BROMBACHER3 | 1980 N ATLANTIC AVE STE 1007 COCOA BEACH, FL 32931 | AFLAC | $5 | $0 | $5 | 0.05% |
| MICHAEL S WITHROW3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $5 | $0 | $5 | 0.05% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $5 | $0 | $5 | 0.05% |
| LORI K VOGEL3 | 914 PALM BROOK DR MELBOURNE, FL 32940 | AFLAC | $4 | $0 | $4 | 0.04% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP CT ROCKLEDGE, FL 32955 | AFLAC | $3 | $0 | $3 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $3 | $0 | $3 | 0.03% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $3 | $0 | $3 | 0.03% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | $0 | $2 | 0.02% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $2 | $0 | $2 | 0.02% |
| CINDY M WOOTEN3 | 730 E STRAWBRIDGE AVE STE 101 MELBOURNE, FL 32901 | AFLAC | $2 | $0 | $2 | 0.02% |
| LORI K VOGEL3 | 1264 US HIGHWAY 1 STE 104 ROCKLEDGE, FL 32955 | AFLAC | $2 | $0 | $2 | 0.02% |
| DOUGLAS J SUCHECKI3 | 3850 VINE ST STE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | $0 | $2 | 0.02% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $2 | $0 | $2 | 0.02% |
| DE VITA B MCKENZIE3 | 300 E ESPLANADE DR STE 1220 OXNARD, CA 93036 | AFLAC | $1 | $0 | $1 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | $0 | $1 | 0.01% |
| CRISTY M MCCULLOUGH3 | 5224 BACUP COURT ROCKLEDGE, FL 32955 | AFLAC | $1 | $0 | $1 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $1 | $0 | $1 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $1 | $0 | $1 | 0.01% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $0 | $0 | $0 | 0.00% |
| DE VITA B MCKENZIE3 | 733 BISHOP ST STE 2530 HONOLULU, HI 96813 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 555 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 555 | $2.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 253 | $32K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $289K |
| Short-term disability(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $334K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $289K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 555 | $2.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.