| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 N FRANKLIN ST TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | $1K | $58K | 16.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N FRANKLIN ST TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 12.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE STE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $971 | — | $971 | 0.52% |
| PAULA LOBSENZ LLC3 Filed as: PAULA LOBSENZ | PO BOX 3042 HALLANDALE, FL 33008 | AFLAC | $3K | $179 | $4K | 6.11% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $1K | $31 | $1K | 2.16% |
| SHAWN M LANDECK3 | 949 MARBLE WAY BOCA RATON, FL 33432 | AFLAC | $936 | $36 | $972 | 1.64% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATED INC | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $744 | $37 | $781 | 1.32% |
| SHARON BASSOFF INC3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $544 | $31 | $575 | 0.97% |
| MILLIE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $372 | $0 | $372 | 0.63% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $327 | $0 | $327 | 0.55% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33928 | AFLAC | $302 | $12 | $314 | 0.53% |
| CARLOS V ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $287 | $0 | $287 | 0.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 13515 BELL TOWER DRIVE FORT MYERS, FL 33907 | AFLAC | $263 | $0 | $263 | 0.44% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $254 | $0 | $254 | 0.43% |
| CRAIG DRUCKER ASSOCIATES INC3 | 1304 SW 160TH AVE #112 SUNRISE, FL 33326 | AFLAC | $221 | $0 | $221 | 0.37% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $187 | $12 | $199 | 0.34% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $114 | $36 | $150 | 0.25% |
| PHYLLIS DAWN HESLEP3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $125 | $0 | $125 | 0.21% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $73 | $50 | $123 | 0.21% |
| DANIEL J LONG3 | 48 EISENTOWN DR LOVETTSVILLE, VA 20180 | AFLAC | $50 | $36 | $86 | 0.15% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 2383 AKERS MILL ROAD APT S15 ATLANTA, GA 30039 | AFLAC | $79 | $0 | $79 | 0.13% |
| ADINA ELYSSE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $61 | $0 | $61 | 0.10% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $60 | $0 | $60 | 0.10% |
| HAROLD L STAFFORD3 | 15655 77TH TRAIL N PALM BEACH GARDENS, FL 33418 | AFLAC | $59 | $0 | $59 | 0.10% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $22 | $36 | $58 | 0.10% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY STE 900 ATLANTA, GA 30339 | AFLAC | $47 | $0 | $47 | 0.08% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $46 | $0 | $46 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $39 | $0 | $39 | 0.07% |
| BRIAN ALLEN BASS3 | 1220 BONNIE LO DR ORLANDO, FL 32809 | AFLAC | $26 | $7 | $33 | 0.06% |
| JOSE PEREZ3 | 2550 27TH STREET SACRAMENTO, CA 95818 | AFLAC | $22 | $11 | $33 | 0.06% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $32 | $0 | $32 | 0.05% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $32 | $0 | $32 | 0.05% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $29 | $0 | $29 | 0.05% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $28 | $0 | $28 | 0.05% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | AFLAC | $13 | $4 | $17 | 0.03% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 S 17TH STREET WILMINGTON, NC 28401 | AFLAC | $13 | $0 | $13 | 0.02% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $12 | $0 | $12 | 0.02% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | AFLAC | $5 | $4 | $9 | 0.02% |
| JAMES S SARANTIS3 | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | AFLAC | $3 | $4 | $7 | 0.01% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $4 | $0 | $4 | 0.01% |
| DH2 ENTERPRISES INC3 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $1 | $1 | $2 | 0.00% |
| BARRY SIMNER3 | 9715 N NEW RIVER CANAL RD APT 402 PLANTATION, FL 33324 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $63K |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $406K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $535K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $535K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $535K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $535K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $535K |
| Other | AFLAC | 54 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.