| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 7701 SW 177TH ST PALMETTO BAY, FL 33157 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $99K | $99K | 4.00% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 7701 SW 177TH ST PALMETTO BAY, FL 33157 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 300971578 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $1K | $24K | 5.00% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 6595 SW 102ND ST MIAMI, FL 331563363 | COMPBENEFITS | $14K | — | $14K | 7.18% |
| CATHRYN C CARNESELLA3 Filed as: CATHRYN C. CARNESELLA | 387 N HIBISCUS DR MIAMI BEACH, FL 33139 | AFLAC | $8K | $137 | $8K | 5.73% |
| BARBARA FETTERS3 | 573 NW 55TH ST BOCA RATON, FL 33487 | AFLAC | $3K | — | $3K | 1.90% |
| FRANCO CALVO3 | 1451 W. CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC | $2K | $27 | $2K | 1.24% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $1K | — | $1K | 0.84% |
| STEVE SERVI3 | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $711 | $7 | $718 | 0.53% |
| DEBORAH JERZY3 | 2650 W GOLF BLVD APT 159 POMPANO BEACH, FL 33064 | AFLAC | $575 | — | $575 | 0.42% |
| JOURNEY INS GRP INC3 | 8761 WILES RD APT 203 CORAL SPRINGS, FL 33067 | AFLAC | $452 | — | $452 | 0.33% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $267 | $21 | $288 | 0.21% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON & ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $280 | — | $280 | 0.20% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $234 | — | $234 | 0.17% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $228 | — | $228 | 0.17% |
| ECK INC3 Filed as: ECK INC. | P. O. BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $202 | — | $202 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $161 | — | $161 | 0.12% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $136 | — | $136 | 0.10% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $110 | — | $110 | 0.08% |
| MARTA M SASTRE3 | P. O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $108 | — | $108 | 0.08% |
| RIBERTO RIVERO3 | 8004 NW 154TH ST SUITE 371 MIAMI LAKES, FL 33016 | AFLAC | $90 | — | $90 | 0.07% |
| UNDERWRITERS SOUTH3 | 12001 LAYFIELD RD UPATOI, GA 31829 | AFLAC | $69 | — | $69 | 0.05% |
| JACQUELINE TIFFER3 Filed as: JACQUELINE CUETO | 13840 SW 24TH TERRACE MIAMI, FL 33175 | AFLAC | $64 | — | $64 | 0.05% |
| JOHN DEE MAULDIN3 Filed as: JOHN MAULDIN | 3209 PHAETON CT PLANO, TX 75023 | AFLAC | $46 | — | $46 | 0.03% |
| CECILIA KOLSTAD3 | P.O. BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $45 | — | $45 | 0.03% |
| J W GRIMES INC3 Filed as: J. W. GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $45 | — | $45 | 0.03% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $45 | — | $45 | 0.03% |
| PATRICIA FIXLER3 | 3013 NW 28TH AVE OAKLAND PARK, FL 33311 | AFLAC | $42 | — | $42 | 0.03% |
| LEE P COHEN3 Filed as: LEE P. COHEN | P. O. BOX 49347 SARASOTA, FL 34230 | AFLAC | $37 | — | $37 | 0.03% |
| JOHN GALLIPOLI3 | 4385 STATESVILLE RD WATERTOWN, FL 37184 | AFLAC | $33 | — | $33 | 0.02% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON RD STE 4 COLUMBUS, GA 31904 | AFLAC | $33 | — | $33 | 0.02% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $32 | — | $32 | 0.02% |
| KIMMEY INSURANCE SERVICES INC3 | P O BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $31 | — | $31 | 0.02% |
| RILEY HARDY3 | P. O. BOX 335 LAKE LURE, NC 28746 | AFLAC | $29 | — | $29 | 0.02% |
| A VIC DAVIES3 | HOME OFFICE DO NOT MAIL MARYVILLE, TN 37801 | AFLAC | $21 | — | $21 | 0.02% |
| JAMES A LOPRESTO3 | NO ADDRESS ODESSA, FL 33556 | AFLAC | $19 | — | $19 | 0.01% |
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $15 | — | $15 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 3225 AVIATION AVENUE STE 400 COCONUT GROVE, FL 33133 | AFLAC | $13 | — | $13 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $11 | — | $11 | 0.01% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $11 | — | $11 | 0.01% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $6 | — | $6 | 0.00% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $5 | — | $5 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID MORRIS3 | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | AFLAC | $3 | — | $3 | 0.00% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | 0.00% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 110 SE 6TH ST STE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $3 | — | $3 | 0.00% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVE RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| LISA CALAWAY3 | EMPLOYER BENEFITS CONSULTING LLC 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| LISA CALAWAY3 | EMPLOYER BENEFITS CONSULTING LLC 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| LISA CALAWAY3 | EMPLOYER BENEFITS CONSULTING LLC 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC. | 6595 SW 102ND ST MIAMI, FL 331563363 | COMPBENEFITS | $3K | — | $3K | 7.99% |
| LISA CALAWAY3 | EMPLOYER BENEFITS CONSULTING LLC 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 6595 SW 102ND ST MIAMI, FL 331563363 | COMPBENEFITS | $2K | — | $2K | 7.86% |
| CATHRYN C CARNESELLA3 | 387 N HIBISCUS DR MIAMI BEACH, FL 33139 | AFLAC | $459 | $15 | $474 | 6.51% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $42 | — | $42 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | AFLAC | $16 | — | $16 | 0.22% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $11 | $3 | $14 | 0.19% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN JR (CHIP) | 8601 GARRETT RD P. O. BOX 233 MIDLAND, GA 31820 | AFLAC | $12 | — | $12 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.15% |
| PATSY GUTHRIE3 | 103 CEDAR ROCK DR LAGRANGE, GA 30241 | AFLAC | $9 | — | $9 | 0.12% |
| STEVE SERVI0 | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $9 | — | $9 | 0.12% |
| JENNIFER PARR3 | 241 RED OAK LANE PINE MOUNTAIN, GA 31822 | AFLAC | $6 | — | $6 | 0.08% |
| BARBARA FETTERS3 | 573 NW 55TH ST BOCA RATON, FL 33487 | AFLAC | $6 | — | $6 | 0.08% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $5 | — | $5 | 0.07% |
| DEBORAH JERZY3 | 2650 W GOLF BLVD APT 159 POMPANO BEACH, FL 33064 | AFLAC | $5 | — | $5 | 0.07% |
| RANDALL H JORDAN3 | 5034 OLD WEST POINT RD LAGRANGE, GA 30240 | AFLAC | $3 | — | $3 | 0.04% |
| ECK INC3 Filed as: ECK INC. | P. O. BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $2 | — | $2 | 0.03% |
| ANDY B GLENN II3 | 100 HARTSFIELD CENTER PKWY STE 500 ATLANTA, GA 30354 | AFLAC | $2 | — | $2 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $2 | $0 | $2 | 0.03% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $1 | — | $1 | 0.01% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $1 | — | $1 | 0.01% |
| LISA CALAWAY3 | EMPLOYER BENEFITS CONSULTING LLC 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $925 | — | $925 | 15.01% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 6595 SW 102ND ST MIAMI, FL 331563363 | COMPBENEFITS | $528 | — | $528 | 10.01% |
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 | 526 | 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) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.3M |
| Dental(2 contracts) | COMPBENEFITS | 366 | $216K |
| Vision(2 contracts) | COMPBENEFITS | 273 | $39K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $102K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 776 | $115K |
| Prescription drug | NEIGHBORHOOD HEALTH PARTNERSHIP | 624 | $2.5M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.