| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC | 1780 NORTH KROME AVENUE HOMESTEAD, FL 330303236 | HEALTH OPTIONS, INC | $30K | — | $30K | 4.50% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC | 1780 NORTH KROME AVENUE HOMESTEAD, FL 330303236 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 4.50% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ELIZABETH GUZMAN3 Filed as: ELIZABETH M GUZMAN | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $2K | $8 | $2K | 5.93% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIRCLE BOYNTON BEACH, FL 33472 | AFLAC | $305 | $2 | $307 | 1.06% |
| KIMBERLY M SAHOY3 | 19426 SW 65TH ST FORT LAUDERDALE, FL 33332 | AFLAC | $198 | — | $198 | 0.68% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $194 | — | $194 | 0.67% |
| PAULA JEAN NICOLO3 | PO BOX 1360 VICTOR, MT 59875 | AFLAC | $184 | — | $184 | 0.63% |
| ERICA JULIAO FERRER3 | 1857 GREAT FALLS WAY ORLANDO, FL 32824 | AFLAC | $142 | — | $142 | 0.49% |
| JAVIER ORTIZ3 Filed as: JAVIER L ORTIZ | 11900 BISCAYNE BLVD STE 400 MIAMI, FL 33181 | AFLAC | $86 | — | $86 | 0.30% |
| MILLIE ESTRONZA3 | 4000 HOLLYWOOD BLVD SUITE 555 HOLLYWOOD, FL 33021 | AFLAC | $82 | — | $82 | 0.28% |
| SHARON BASSOFF INC3 | 11550 SW 9TH CT PEMBROKE PINES, FL 33025 | AFLAC | $52 | — | $52 | 0.18% |
| MARCO A ERAZO3 | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $48 | — | $48 | 0.17% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON BENEFITS, INC | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $45 | — | $45 | 0.16% |
| CARLOS V ESTRONZA3 | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $42 | — | $42 | 0.14% |
| SHAWN M LANDECK3 | 102 NE 2ND ST PMB 102 BOCA RATON, FL 33432 | AFLAC | $37 | — | $37 | 0.13% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $35 | — | $35 | 0.12% |
| JOY L CRENSHAW3 | 19170 WESTBROOK DR BOCA RATON, FL 33434 | AFLAC | $35 | — | $35 | 0.12% |
| LUZ ELENA SERVI3 | 11357 DONA LISA DR STUDIO CITY, CA 91604 | AFLAC | $31 | — | $31 | 0.11% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $30 | — | $30 | 0.10% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $28 | — | $28 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AFLAC | $28 | — | $28 | 0.10% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY SUITE 202 FT LAUDERDALE, FL 33308 | AFLAC | $26 | — | $26 | 0.09% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIRCLE APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $18 | — | $18 | 0.06% |
| NADIA DIAZ NORRIS3 | 4572 CONCORDIA LANE BOYNTON BEACH, FL 33436 | AFLAC | $18 | — | $18 | 0.06% |
| PHYLLIS DAWN HESLEP3 | 3709 S LYNWOOD AVENUE TAMPA, FL 33611 | AFLAC | $15 | — | $15 | 0.05% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LANE ELGIN, IL 60123 | AFLAC | $15 | — | $15 | 0.05% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $12 | — | $12 | 0.04% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $11 | — | $11 | 0.04% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $11 | — | $11 | 0.04% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $10 | — | $10 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $7 | $2 | $9 | 0.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $8 | — | $8 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12751 NEW BRITTANY BLVD SUITE 201 FORT MYERS, FL 33907 | AFLAC | $8 | — | $8 | 0.03% |
| ADINA ELYSSE ESTRONZA3 | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $7 | — | $7 | 0.02% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.02% |
| JUAN C SOSA3 | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $5 | — | $5 | 0.02% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $5 | — | $5 | 0.02% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $4 | — | $4 | 0.01% |
| LAD FINANCIAL CORP3 | 13855 EMERSON STREET APT 204 PALM BEACH GARDENS, FL 33418 | AFLAC | $4 | — | $4 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 7294 PANACHE WAY BOCA RATON, FL 33433 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES J BATTERBURY3 | 1726 W LAS OLAS BLVD #B FT LAUDERDALE, FL 33312 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN ALLEN BASS3 | 11129 OAKSHORE LN CLERMONT, FL 34711 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.01% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE SUITE 900 ATLANTA, GA 30339 | AFLAC | $2 | — | $2 | 0.01% |
| DENA JORDAN3 Filed as: DENA JORDAN KILGORE | 5753 HIGHWAY 85 N PMB 8179 CRESTVIEW, FL 32536 | AFLAC | $1 | — | $1 | 0.00% |
| DEREK DEVANE3 Filed as: DEREK DEWAYNE DEVANE | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $1 | — | $1 | 0.00% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD PMB 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $0 | — | $0 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $878 | — | $878 | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | — | $516 | 10.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC | 86 | $1.2M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $45K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $35K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 86 | $1.1M |
| Other(3 contracts, 2 carriers) | AFLAC | 216 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.