| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN OLSEN3 | 126 S ANCHORAGE DR N PALM BEACH, FL 33408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 10.20% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $438 | $4K | 8.77% |
| KYLE RUSSEY3 | 6921 E WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | $1K | $2K | 3.81% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $488 | $2K | 3.41% |
| GLADYS GONZALEZ3 | 2560-1 E ARAGON BLVD SUNRISE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| THEODORE JAMES MCGONIGAL3 | 7451 S ARAGON BLVD SUNRISE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $945 | $69 | $1K | 2.15% |
| USI INSURANCE SERVICES LLC3 | C/O USI INSURANCE WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 0.73% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $74 | $251 | 0.53% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.26% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.23% |
| MARY C SIMINOVSKY3 Filed as: MARY GERKEN KILIAN | 6164 WOOD LAKE ROAD JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.10% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| LAYMAN & ASSOC INC3 | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $171 | — | $171 | 4.16% |
| KAREN ZABAGLO3 | 1743 NW SPRUCE RIDGE DR STUART, FL 34994 | AFLAC | $62 | — | $62 | 1.51% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $53 | — | $53 | 1.29% |
| STEVEN J. OLSEN3 Filed as: STEVEN J OLSEN | 126 ANCHORAGE DRIVE S NORTH PALM BEACH, FL 33408 | AFLAC | $49 | — | $49 | 1.19% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR AP C DELRAY BEACH, FL 33445 | AFLAC | $42 | — | $42 | 1.02% |
| GERARD F MCCARTHY3 | 8944 NW 52ND CT CORAL SPRINGS, FL 33067 | AFLAC | $39 | $0 | $39 | 0.95% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $25 | — | $25 | 0.61% |
| ECK INC3 | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $16 | — | $16 | 0.39% |
| PAUL B LAMER3 | 4657 SW TACOMA ST PORT SAINT LUCIE, FL 34953 | AFLAC | $11 | — | $11 | 0.27% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $10 | — | $10 | 0.24% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $10 | — | $10 | 0.24% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $10 | — | $10 | 0.24% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $6 | — | $6 | 0.15% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 146 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $85K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $85K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $133K |
| Short-term disability | AFLAC | 6 | $4K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.