| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | PO BOX 904037 CHARLOTTE, NC 28290 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $3K | $29K | 14.67% |
| MARIA C ORTIZ3 | 7400 SW 50 TR, STE 300 MIAMI, FL 33155 | AFLAC | $3K | $68 | $3K | 5.34% |
| ELIZABETH MARIA SARDINAS TORRES3 | 15453 SW 139 ST MIAMI, FL 33196 | AFLAC | $2K | $58 | $2K | 3.08% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $1K | $62 | $1K | 2.24% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $978 | $39 | $1K | 1.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN & VARIOUS OTHER AGTS | 2002 EASTWOOD RD, STE 301 WILMINGTON, NC 28403 | AFLAC | $406 | — | $406 | 0.73% |
| LISSETTE FERNANDEZ3 Filed as: LISSETTE MARIA FERNANDEZ | 75 VALENCIA AVE, STE 500 CORAL GABLES, FL 33134 | AFLAC | $313 | — | $313 | 0.56% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $177 | $39 | $216 | 0.39% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $248K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $198K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $198K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $198K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.