| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $56K | $62K | 4.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $25K | 19.47% |
| 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 | $386 | — | $386 | 0.30% |
| PAULA LOBSENZ LLC3 | 1950 NE 6TH ST # 1304 POMPANO BEACH, FL 33060 | AFLAC | $2K | $74 | $3K | 4.93% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $1K | $56 | $2K | 2.96% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $406 | $15 | $421 | 0.82% |
| MILLIE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $286 | $0 | $286 | 0.56% |
| RUSSELL FOX3 | 9272 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $245 | $11 | $256 | 0.50% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR. BOCA RATON, FL 33433 | AFLAC | $239 | $2 | $241 | 0.47% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $221 | $11 | $232 | 0.45% |
| CARLOS V ESTRONZA3 Filed as: CARLOS ESTRONZA | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $206 | $0 | $206 | 0.40% |
| SHAWN LANDECK3 | 150 E PALMETTO PARK RD STE 800 BOCA RATON, FL 33432 | AFLAC | $193 | $0 | $193 | 0.38% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $188 | $0 | $188 | 0.37% |
| VERONICA BUCKINGHAM3 | 1200 SW 12TH ST D208 FORT LAUDERDALE, FL 33315 | AFLAC | $185 | $0 | $185 | 0.36% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $168 | $0 | $168 | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 13515 BELL TOWER DR FORT MYERS, FL 33907 | AFLAC | $157 | $0 | $157 | 0.31% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $152 | $0 | $152 | 0.30% |
| SUSANA RIZO3 | 18495 S DIXIE HWY # 105 MIAMI, FL 33157 | AFLAC | $143 | $0 | $143 | 0.28% |
| SHARON BASSOFF INC3 | 11550 SW 9TH CT PEMBROKE PINES, FL 33025 | AFLAC | $118 | $0 | $118 | 0.23% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $89 | $0 | $89 | 0.17% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $86 | $0 | $86 | 0.17% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $57 | $0 | $57 | 0.11% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $55 | $0 | $55 | 0.11% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $54 | $0 | $54 | 0.11% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $47 | $0 | $47 | 0.09% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $42 | $0 | $42 | 0.08% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $28 | $13 | $41 | 0.08% |
| BRENDA GARRETT3 | 5400 GLENWOOD AVE STE G03 RALEIGH, NC 27612 | AFLAC | $37 | $0 | $37 | 0.07% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $30 | $0 | $30 | 0.06% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $28 | $0 | $28 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $28 | $0 | $28 | 0.05% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $22 | $0 | $22 | 0.04% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $22 | $0 | $22 | 0.04% |
| STEVEN KAISER3 | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $21 | $0 | $21 | 0.04% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $18 | $0 | $18 | 0.04% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIR STE1005 BOCA RATON, FL 33487 | AFLAC | $13 | $0 | $13 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $11 | $0 | $11 | 0.02% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $11 | $0 | $11 | 0.02% |
| ADINA ELYSSE ESTRONZA3 Filed as: ADINA ESTRONZA | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $10 | $0 | $10 | 0.02% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DRIVE BOCA RATON, FL 33433 | AFLAC | $7 | $0 | $7 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $7 | $0 | $7 | 0.01% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 APT 208 SAN LUIS OBISPO, CA 93401 | AFLAC | $6 | $0 | $6 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $6 | $0 | $6 | 0.01% |
| DEBORAH L JONGES3 Filed as: DEBORAH JONGES | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $5 | $0 | $5 | 0.01% |
| JAMES J BATTERBURY3 Filed as: JAMES BATTERBURY | 1726 W LAS OLAS BLVD # B FT LAUDERDALE, FL 33312 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRIAN EDWARD BASS3 Filed as: BRIAN BASS | 1220 BONNIE LOU DR ORLANDO, FL 32809 | AFLAC | $4 | $0 | $4 | 0.01% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $4 | $0 | $4 | 0.01% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $4 | $0 | $4 | 0.01% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $4 | $0 | $4 | 0.01% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | $0 | $2 | 0.00% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA PEILLY | 269 E LONG CREEK CV LONGWOOD, FL 32750 | 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% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 319 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $129K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $129K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $129K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $129K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.