| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 330303236 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $45K | $49K | 4.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | P0 BOX 2480 DAYTONA BEACH, FL 321152480 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 NORTH KROME AVE HOMESTEAD, FL 33030 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.27% |
| 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 | $18K | $1K | $19K | 16.19% |
| ELIZABETH GUZMAN3 Filed as: ELIZABETH M GUZMAN | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $2K | $84 | $2K | 4.95% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $418 | $20 | $438 | 1.31% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $307 | $20 | $327 | 0.98% |
| PAULA LOBSENZ LLC3 | 1921 W TERRA MAR DR POMPANO BEACH, FL 33062 | AFLAC | $218 | — | $218 | 0.65% |
| MILLIE ESTRONZA3 | 4000 HOLLYWOOD BLVD STE 555 HOLLYWOOD, FL 33021 | AFLAC | $131 | — | $131 | 0.39% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $111 | — | $111 | 0.33% |
| PAULA JEAN NICOLO3 | 10500 BLACKWOLF CIRCLE ANCHORAGE, AK 99507 | AFLAC | $102 | — | $102 | 0.31% |
| CARLOS V ESTRONZA3 | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $80 | — | $80 | 0.24% |
| SHARON BASSOFF INC3 | 11550 SW 9TH CT PEMBROKE PINES, FL 33025 | AFLAC | $62 | — | $62 | 0.19% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $61 | — | $61 | 0.18% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $61 | — | $61 | 0.18% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $54 | — | $54 | 0.16% |
| SHAWN M LANDECK3 | 102 NE 2ND ST, STE 102 BOCA RATON, FL 33432 | AFLAC | $51 | — | $51 | 0.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 12751 NEW BRITTANY BLVD FORT MYERS, FL 33907 | AFLAC | $50 | — | $50 | 0.15% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $44 | — | $44 | 0.13% |
| JOY L CRENSHAW3 | 19170 WESTBROOK DR BOCA RATON, FL 33434 | AFLAC | $42 | — | $42 | 0.13% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $40 | — | $40 | 0.12% |
| LUZ ELENA SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $38 | — | $38 | 0.11% |
| SUSANA RIZO3 | 18495 S DIXIE HWY # 105 MIAMI, FL 33157 | AFLAC | $38 | — | $38 | 0.11% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $33 | — | $33 | 0.10% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AFLAC | $32 | — | $32 | 0.10% |
| VERONICA BUCKINGHAM3 | 1200 SW 12TH ST D208 FORT LAUDERDALE, FL 33315 | AFLAC | $21 | — | $21 | 0.06% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 61023 | AFLAC | $20 | — | $20 | 0.06% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR. BOCA RATON, FL 33433 | AFLAC | $18 | — | $18 | 0.05% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $16 | — | $16 | 0.05% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $16 | — | $16 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $13 | — | $13 | 0.04% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $13 | — | $13 | 0.04% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $13 | — | $13 | 0.04% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $12 | — | $12 | 0.04% |
| NADIA DIAZ NORRIS3 | 350 WILLOW GLENN CT MARIETTA, GA 30068 | AFLAC | $10 | — | $10 | 0.03% |
| ADINA ELYSSE ESTRONZA3 | 5414 STIRLING ROAD DAVIE, FL 33314 | AFLAC | $9 | — | $9 | 0.03% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $6 | — | $6 | 0.02% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $6 | — | $6 | 0.02% |
| JUAN C SOSA3 | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $6 | — | $6 | 0.02% |
| LAD FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE1005 BOCA RATON, FL 33487 | AFLAC | $5 | — | $5 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN ALLEN BASS3 | 320 KETCH RD SAINT CLOUD, FL 34771 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES J BATTERBURY3 | 1726 W LAS OLAS BLVD # B FORT LAUDERDALE, FL 33312 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $2 | — | $2 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT 208 CHARLOTTE, NC 28269 | AFLAC | $2 | — | $2 | 0.01% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $2 | — | $2 | 0.01% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $2 | — | $2 | 0.01% |
| NADIA DIAZ NORRIS3 | 4572 CONCORDIA LN BOYNTON BEACH, FL 33436 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | 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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $120K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $120K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.