| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N. KROME AVENUE HOMESTEAD, FL 33030 | AVMED HEALTH INSURANCE | $60K | $5K | $65K | 4.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LAKE LUCIEN WAY STE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $8K | $31K | 14.56% |
| 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 | $457 | $0 | $457 | 0.21% |
| PAULA LOBSENZ LLC3 Filed as: PAULA LOBSENZ | PO BOX 3042 HALLANDALE, FL 33008 | AFLAC | $2K | $211 | $2K | 3.44% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $1K | $233 | $2K | 2.99% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $301 | $61 | $362 | 0.64% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $294 | $42 | $336 | 0.60% |
| MILLIE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $316 | $0 | $316 | 0.56% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $233 | $61 | $294 | 0.52% |
| SHARON BASSOFF INC3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $219 | $71 | $290 | 0.51% |
| SHAWN M LANDECK3 | 150 E. PALMETTO PARK RD STE 800 BOCA RATON, FL 33432 | AFLAC | $271 | $0 | $271 | 0.48% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $209 | $42 | $251 | 0.45% |
| CARLOS V ESTRONZA3 Filed as: CARLOS ESTRONZA | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $220 | $0 | $220 | 0.39% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $197 | $0 | $197 | 0.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 13515 BELL TOWER DRIVE FORT MYERS, FL 33907 | AFLAC | $193 | $0 | $193 | 0.34% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $152 | $0 | $152 | 0.27% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $145 | $0 | $145 | 0.26% |
| RUSSELL FOX3 | 5241 CEDAR LAKE RD APT 434 BOYNTON BEACH, FL 33437 | AFLAC | $136 | $0 | $136 | 0.24% |
| STEVE SERVI3 | 6127 S. RAINBOW BLVD. STE 110 LAS VEGAS, NV 89118 | AFLAC | $100 | $0 | $100 | 0.18% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $92 | $0 | $92 | 0.16% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $68 | $0 | $68 | 0.12% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $57 | $0 | $57 | 0.10% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 2383 AKERS MILL ROAD APT S15 ATLANTA, GA 30039 | AFLAC | $56 | $0 | $56 | 0.10% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON ROAD STE 200 HANOVER, MD 21076 | AFLAC | $49 | $0 | $49 | 0.09% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR. BOCA RATON, FL 33433 | AFLAC | $48 | $0 | $48 | 0.09% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $45 | $0 | $45 | 0.08% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $43 | $0 | $43 | 0.08% |
| BRENDA GARRETT3 | 107 S. SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $37 | $0 | $37 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $34 | $0 | $34 | 0.06% |
| HAROLD L STAFFORD3 | 5381 W. HILLSBORO BLVD., APT. 108 COCONUT CREEK, FL 33073 | AFLAC | $30 | $0 | $30 | 0.05% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKWY STE 900 ATLANTA, GA 30339 | AFLAC | $30 | $0 | $30 | 0.05% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $27 | $0 | $27 | 0.05% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $26 | $0 | $26 | 0.05% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $22 | $0 | $22 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $22 | $0 | $22 | 0.04% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $17 | $0 | $17 | 0.03% |
| LANDERS STEIN AND ASSOCIATES3 | 4970 SW 72 AVE PH 107 MIAMI, FL 33155 | AFLAC | $15 | $0 | $15 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $15 | $0 | $15 | 0.03% |
| DAVID MORRIS3 | 950PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $15 | $0 | $15 | 0.03% |
| ADINA ELYSSE ESTRONZA3 Filed as: ADINA ESTRONZA | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $14 | $0 | $14 | 0.02% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $13 | $0 | $13 | 0.02% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $12 | $0 | $12 | 0.02% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $11 | $0 | $11 | 0.02% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $10 | $0 | $10 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $9 | — | $9 | 0.02% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 APT 208 SAN LUIS OBISPO, CA 93401 | AFLAC | $8 | — | $8 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $8 | $0 | $8 | 0.01% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $6 | $0 | $6 | 0.01% |
| DEBORAH L JONGES3 Filed as: DEBORAH JONGES | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $6 | $0 | $6 | 0.01% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES J BATTERBURY3 Filed as: JAMES BATTERBURY | 1726 W. LAS OLAS BLVD. #B FORT LAUDERDALE, FL 33312 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRIAN EDWARD BASS3 Filed as: BRIAN BASS | 1220 BONNIE LOU DR ORLANDO, FL 32809 | AFLAC | $1 | $0 | $1 | 0.00% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY CT CASSELBERRY, FL 32707 | AFLAC | $1 | $0 | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $1 | $0 | $1 | 0.00% |
| JENNIE HAWKINS3 | 3930 S. NOVA RD STE 201 PORT ORANGE, FL 32127 | AFLAC | $1 | $0 | $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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED HEALTH INSURANCE | 253 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $213K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $213K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $213K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $213K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $213K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.