| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | PO BOX 203383 SUITE 470 DALLAS, TX 753203334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $61K | — | $61K | 10.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS NATIONAL INC. | PO BOX 201629 DALLAS, TX 753201629 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO D/B/A USI INS. SVCS. | PO BOX 203383 DALLAS, TX 753203334 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $57 | $25K | 11.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.98% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $6K | — | $6K | 9.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 NE 3RD AVENUE SUITE 600 FORT LAUDERDALE, FL 33301 | AFLAC | $5K | — | $5K | 7.48% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $5K | — | $5K | 7.44% |
| CHRISTINA ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $4K | $88 | $4K | 5.80% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $3K | — | $3K | 4.79% |
| MARIE M. SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | — | $2K | 2.73% |
| SANDRA VELAZQUEZ3 Filed as: SANDRA VELAQUEZ | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $152 | — | $152 | 0.24% |
| LISSETTE FERNANDEZ3 Filed as: LISSETTE MARIA FERNANDEZ | 75 VALENCIA AVENUE, SUITE 500 CORAL GABLES, FL 33134 | AFLAC | $88 | — | $88 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $41 | — | $41 | 0.07% |
| LAD FINANCIAL CORP3 Filed as: LAD FIANCIAL CORP | 4531 CADIZ CIRCLE PALM BEACH GARDENS, FL 33418 | AFLAC | $24 | — | $24 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3601 SW 160TH AVENUE SUITE 200 MIRAMAR, FL 33027 | AFLAC | $23 | — | $23 | 0.04% |
| ORTIS ENTERPRISES INC3 Filed as: ORTIS ENTERPRISES INC. | 8350 SANDS POINT BLVD.106 TAMARAC, FL 33321 | AFLAC | $21 | — | $21 | 0.03% |
| ELIZABETH MARIA SARDINAS TORRES3 Filed as: ELIZABETH SARDINAS TORRES | 15453 SW 139TH STREET MIAMI, FL 33196 | AFLAC | $20 | — | $20 | 0.03% |
| HARLAN SINGER3 | 1549 NW 103RD TERRACE CORAL SPRINGS, FL 33071 | AFLAC | $16 | — | $16 | 0.03% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $14 | — | $14 | 0.02% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $13 | — | $13 | 0.02% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $12 | — | $12 | 0.02% |
| RND FINANCIAL ASSOCIATES INC3 Filed as: RND FINANCIAL ASSOCIATES INC. | 12103 SW BAYBERRY AVENUE PORT ST. LUCIE, FL 34987 | AFLAC | $12 | — | $12 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID S MORRIS3 Filed as: DAVID MORRIS | 950 PENNINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | — | $3 | 0.00% |
| RICARDO AUGUSTIN3 | 1032 NW 87TH AVENUE APT 101 MIAMI, FL 33172 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD. SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $1 | — | $1 | 0.00% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 733 BISHOP ST, STE 2530 HONOLULU, HI 96813 | AFLAC | $1 | — | $1 | 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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $273K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $210K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $210K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $210K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 601 | $569K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.