| 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 AVE HOMESTEAD, FL 33030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 4.00% |
| 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 | $18K | $6K | $24K | 20.04% |
| 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 | $354 | — | $354 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N KROME AVE HOMESTEAD, FL 33030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 6.58% |
| ELIZABETH GUZMAN3 Filed as: ELIZABETH M GUZMAN | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $2K | $21 | $2K | 3.59% |
| PAULA LOBSENZ LLC3 | 1950 NE 6TH ST # 1304 POMPANO BEACH, FL 33060 | AFLAC | $1K | $190 | $1K | 2.11% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $1K | $60 | $1K | 2.06% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $548 | $16 | $564 | 0.97% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $447 | $16 | $463 | 0.80% |
| MILLIE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $264 | — | $264 | 0.46% |
| CARLOS V ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $210 | — | $210 | 0.36% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $166 | $38 | $204 | 0.35% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $167 | — | $167 | 0.29% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $165 | — | $165 | 0.29% |
| SHAWN LANDECK3 | 150 E PALMETTO PARK RD STE 800 BOCA RATON, FL 33432 | AFLAC | $156 | — | $156 | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 13515 BELL TOWER DR FORT MYERS, FL 33907 | AFLAC | $155 | — | $155 | 0.27% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $154 | — | $154 | 0.27% |
| SUSANA RIZO3 | 18495 S DIXIE HWY # 105 MIAMI, FL 33157 | AFLAC | $133 | — | $133 | 0.23% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR. BOCA RATON, FL 33433 | AFLAC | $89 | $38 | $127 | 0.22% |
| SHARON BASSOFF INC3 | 11550 SW 9TH CT PEMBROKE PINES, FL 33025 | AFLAC | $117 | — | $117 | 0.20% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $96 | — | $96 | 0.17% |
| VERONICA BUCKINGHAM3 | 1200 SW 12TH ST D208 FORT LAUDERDALE, FL 33315 | AFLAC | $91 | — | $91 | 0.16% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $81 | — | $81 | 0.14% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $55 | — | $55 | 0.10% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $53 | — | $53 | 0.09% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $47 | — | $47 | 0.08% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $43 | — | $43 | 0.07% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $38 | — | $38 | 0.07% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVE STE G03 RALEIGH, NC 27612 | AFLAC | $37 | — | $37 | 0.06% |
| JOY L CRENSHAW3 | 19170 WESTBROOK DR BOCA RATON, FL 33434 | AFLAC | $35 | — | $35 | 0.06% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $34 | — | $34 | 0.06% |
| LUZ ELENA SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $31 | — | $31 | 0.05% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $30 | — | $30 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $26 | — | $26 | 0.04% |
| JOSEPH A LAROCCA SR3 Filed as: JOSEPH A LAROCCA | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AFLAC | $26 | — | $26 | 0.04% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $24 | — | $24 | 0.04% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $23 | — | $23 | 0.04% |
| SHEILA HALBROOKS3 Filed as: SHEILA L HALBROOKS | 3686 NW 111TH AVE SUNRISE, FL 33351 | AFLAC | $23 | — | $23 | 0.04% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $22 | — | $22 | 0.04% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $20 | — | $20 | 0.03% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $18 | — | $18 | 0.03% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $15 | — | $15 | 0.03% |
| ADINA ELYSSE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $13 | — | $13 | 0.02% |
| YOLANDA F LASTRA3 | 9733 NW 45TH LN DORAL, FL 33178 | AFLAC | $13 | — | $13 | 0.02% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE1005 BOCA RATON, FL 33487 | AFLAC | $11 | — | $11 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $11 | — | $11 | 0.02% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $11 | — | $11 | 0.02% |
| BRIAN ALLEN BASS3 | 1214 HANCOCK CIR SAINT CLOUD, FL 34769 | AFLAC | $11 | — | $11 | 0.02% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $7 | — | $7 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $6 | — | $6 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES J BATTERBURY3 Filed as: JAMES BATTERBURY | 1726 W LAS OLAS BLVD # B FT LAUDERDALE, FL 33312 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY CAVAZOS3 | 108 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | AFLAC | $5 | — | $5 | 0.01% |
| JUAN C SOSA3 | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $5 | — | $5 | 0.01% |
| DEBORAH L JONGES3 Filed as: DEBORAH JONGES | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $4 | — | $4 | 0.01% |
| LAD FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $4 | — | $4 | 0.01% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $3 | — | $3 | 0.01% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBBER ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 234 | 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 | 235 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $86K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $86K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $118K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $118K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.