| 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 331576254 | AETNA LIFE INSURANCE CO | $0 | $28K | $28K | 0.67% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST AGENCY | 7701 SW 177TH ST PALMETTO BAY, FL 33157 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $38K | $38K | 6.48% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 7701 SW 177TH ST PALMETTO BAY, FL 33157 | COMPBENEFITS COMPANY | $12K | — | $12K | 7.98% |
| CATHRYN C CARNESELLA3 Filed as: CATHRYN C. CARNESELLA | 387 N HIBISCUS DR MIAMI BEACH, FL 33139 | AFLAC | $5K | $57 | $5K | 4.60% |
| WORLDWIDE BENEFITS INC3 Filed as: WORLDWIDE BENEFITS INC. | 573 NW 55TH ST BOCA RATON, FL 33487 | AFLAC | $1K | — | $1K | 1.26% |
| RICHARD ALAN SELIGSON3 | PO BOX 970922 BOCA RATON, FL 33497 | AFLAC | $1K | $13 | $1K | 0.93% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $857 | — | $857 | 0.75% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $566 | $13 | $579 | 0.51% |
| FRANCO CALVO3 | 2500 PARKVIEW DR APT 1815 HALLANDALE BEACH, FL 33009 | AFLAC | $476 | — | $476 | 0.42% |
| JOURNEY INS GRP INC3 | 3561 NW 88TH DR APT 307 CORAL SPRINGS, FL 33065 | AFLAC | $269 | — | $269 | 0.24% |
| DEBORAH JERZY3 | 2650 W GOLF BLVD APT 159 POMPANO BEACH, FL 33064 | AFLAC | $256 | — | $256 | 0.22% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $196 | — | $196 | 0.17% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $158 | — | $158 | 0.14% |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON & ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $142 | — | $142 | 0.12% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $140 | — | $140 | 0.12% |
| STEVE SERVI3 | 6127 S. RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $119 | — | $119 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $109 | — | $109 | 0.10% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $86 | — | $86 | 0.08% |
| CURRY N KIMMEY JR3 | P. O. BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $86 | — | $86 | 0.08% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $79 | — | $79 | 0.07% |
| JACQUELINE TIFFER3 Filed as: JACQUELINE CUETO | 9001 SW 122ND PL APT 925 MIAMI, FL 33186 | AFLAC | $70 | — | $70 | 0.06% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $53 | — | $53 | 0.05% |
| RIBERTO RIVERO3 | 8004 NW 154TH ST SUITE 371 MIAMI LAKES, FL 33016 | AFLAC | $50 | — | $50 | 0.04% |
| PATRICIA FIXLER3 | 3013 NW 28TH AVE OAKLAND PARK, FL 33311 | AFLAC | $45 | — | $45 | 0.04% |
| JAVIER ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $43 | — | $43 | 0.04% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $40 | — | $40 | 0.03% |
| LEE P COHEN3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $37 | — | $37 | 0.03% |
| JOHN GALLIPOLI3 | 4385 STATESVILLE RD WATERTOWN, FL 37184 | AFLAC | $36 | — | $36 | 0.03% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON RD STE 4 COLUMBUS, GA 31904 | AFLAC | $36 | — | $36 | 0.03% |
| KIMMEY INSURANCE SERVICES INC3 | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $34 | — | $34 | 0.03% |
| CECILIA N KOLSTAD3 | P.O. BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $29 | — | $29 | 0.03% |
| JOHN DEE MAULDIN3 | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $26 | — | $26 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $25 | — | $25 | 0.02% |
| UNDERWRITERS SOUTH3 | 12001 LAYFIELD RD UPATOI, GA 31829 | AFLAC | $24 | — | $24 | 0.02% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SE SUITE 900 ATLANTA, GA 30339 | AFLAC | $17 | — | $17 | 0.01% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $17 | — | $17 | 0.01% |
| J W GRIMES INC3 Filed as: J. W. GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $14 | — | $14 | 0.01% |
| SUSAN P WATLEY3 Filed as: SUSAN P. WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $11 | — | $11 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $11 | — | $11 | 0.01% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $10 | — | $10 | 0.01% |
| ERIC W HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $10 | — | $10 | 0.01% |
| RILEY HARDY3 | PO BOX 335 LAKE LURE, NC 28746 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $4 | — | $4 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $4 | — | $4 | 0.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR TRUST INC | 7701 SW 177TH ST PALMETTO BAY, FL 33157 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 7.82% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CATHRYN C CARNESELLA3 | 387 N HIBISCUS DR MIAMI BEACH, FL 33139 | AFLAC | $1K | $40 | $1K | 11.79% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $131 | $9 | $140 | 1.53% |
| NATASHA FABIENE3 | 1577 HARLEQUIN WAY STOCKBRIDGE, GA 30281 | AFLAC | $54 | — | $54 | 0.59% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $42 | — | $42 | 0.46% |
| STEVE D SERVI0 Filed as: STEVE D. SERVI | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $23 | — | $23 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P. O. BOX 744831 ATLANTA, GA 30374 | AFLAC | $16 | — | $16 | 0.17% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN JR (CHIP) | 8601 GARRETT RD PO BOX 233 MIDLAND, GA 31820 | AFLAC | $12 | — | $12 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GARYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.12% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $11 | — | $11 | 0.12% |
| PATSY GUTHRIE3 | 103 CEDAR ROCK DR LAGRANGE, GA 30241 | AFLAC | $9 | — | $9 | 0.10% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $7 | — | $7 | 0.08% |
| JENNIFER PARR3 | 241 RED OAK LANE PINE MOUNTAIN, GA 31822 | AFLAC | $6 | — | $6 | 0.07% |
| WORLDWIDE BENEFITS INC3 | 573 NW 55TH ST BOCA RATON, FL 33487 | AFLAC | $6 | — | $6 | 0.07% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $5 | — | $5 | 0.05% |
| DEBORAH JERZY3 Filed as: DEBORAH A. JERZY | 2650 W GOLF BLVD APT 159 POMPANO BEACH, FL 33064 | AFLAC | $5 | — | $5 | 0.05% |
| JAVIER L ORTIZ3 Filed as: JAVIER L. ORTIZ | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $4 | — | $4 | 0.04% |
| RANDALL H JORDAN3 Filed as: RANDALL H. JORDAN | 2610 WEST POINT RD LAGRANGE, GA 30240 | AFLAC | $3 | — | $3 | 0.03% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $3 | — | $3 | 0.03% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $3 | — | $3 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $2 | — | $2 | 0.02% |
| CURRY N KIMMEY JR3 | P. O. BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $2 | — | $2 | 0.02% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $1 | — | $1 | 0.01% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH STREET G1 MIAMI, FL 33186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUPERIOR TRUST INC EIN 65-0844136 NONE | Insurance agents and brokers Service code 22 | 7701 SW 177TH ST PALMETTO BAY, FL 33157 | $157K |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 724 | $4.8M |
| Dental(2 contracts, 2 carriers) | COMPBENEFITS COMPANY | 344 | $251K |
| Vision | HUMANA INSURANCE COMPANY | 344 | $104K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $125K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 221 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 676 | $107K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.