| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $8K | $8K | 16.47% |
| 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 | $5K | — | $5K | 10.70% |
| PAULA LOBSENZ LLC3 Filed as: PAULA LOBSENZ | PO BOX 3042 HALLANDALE, FL 33008 | AFLAC | $695 | $288 | $983 | 5.94% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $245 | — | $245 | 1.48% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $172 | $54 | $226 | 1.37% |
| SHAWN M LANDECK3 | 949 MARBLE WAY BOCA RATON, FL 33432 | AFLAC | $157 | $54 | $211 | 1.28% |
| MILLIE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $121 | — | $121 | 0.73% |
| CARLOS V ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $95 | — | $95 | 0.57% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $90 | — | $90 | 0.54% |
| ELIZABETH GUZMAN3 | PO BOX 260002 PEMBROKE PINES, FL 33026 | AFLAC | $78 | $10 | $88 | 0.53% |
| CRAIG DRUCKER ASSOCIATES INC3 | 1304 SW 160TH AVE #112 SUNRISE, FL 33326 | AFLAC | $77 | — | $77 | 0.47% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 13515 BELL TOWER DRIVE FORT MYERS, FL 33907 | AFLAC | $74 | — | $74 | 0.45% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $73 | — | $73 | 0.44% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $72 | — | $72 | 0.44% |
| SHARON BASSOFF INC3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $32 | $10 | $42 | 0.25% |
| PHYLLIS DAWN HESLEP3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $42 | — | $42 | 0.25% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $31 | — | $31 | 0.19% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $31 | — | $31 | 0.19% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33928 | AFLAC | $26 | $4 | $30 | 0.18% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 2383 AKERS MILL ROAD APT S15 ATLANTA, GA 30039 | AFLAC | $20 | — | $20 | 0.12% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $14 | $4 | $18 | 0.11% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $17 | — | $17 | 0.10% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $16 | — | $16 | 0.10% |
| DANIEL J LONG3 | 48 EISENTOWN DR LOVETTSVILLE, VA 20180 | AFLAC | $16 | — | $16 | 0.10% |
| ADINA ELYSSE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $15 | — | $15 | 0.09% |
| HAROLD L STAFFORD3 | 15655 77TH TRAIL N PALM BEACH GARDENS, FL 33418 | AFLAC | $13 | — | $13 | 0.08% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY STE 900 ATLANTA, GA 30339 | AFLAC | $13 | — | $13 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $12 | — | $12 | 0.07% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $9 | — | $9 | 0.05% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $8 | — | $8 | 0.05% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $8 | — | $8 | 0.05% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $7 | — | $7 | 0.04% |
| BRIAN ALLEN BASS3 | 1220 BONNIE LO DR ORLANDO, FL 32809 | AFLAC | $7 | — | $7 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $6 | — | $6 | 0.04% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 80 | $17K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $46K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $46K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $46K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $46K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $46K |
| Other | AFLAC | 80 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.