| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL HOMESTEAD | 8825 NW 21ST TER DORAL, FL 331722421 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $52K | $56K | 4.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 330303236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 201097912 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $27K | 17.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 1605 CONCENTRIC BLVD SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.75% |
| ELIZABETH GUZMAN3 Filed as: ELIZABETH M GUZMAN | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $1K | $291 | $2K | 4.91% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIRCLE BOYNTON BEACH, FL 33472 | AFLAC | $512 | $54 | $566 | 1.59% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $323 | $54 | $377 | 1.06% |
| PAULA JEAN NICOLO3 | PO BOX 1360 VICTOR, MT 59875 | AFLAC | $239 | — | $239 | 0.67% |
| MILLIE ESTRONZA3 | 4000 HOLLYWOOD BLVD SUITE 555 HOLLYWOOD, FL 33021 | AFLAC | $125 | — | $125 | 0.35% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVENUE SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $108 | — | $108 | 0.30% |
| CARLOS V ESTRONZA3 | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $75 | — | $75 | 0.21% |
| SHARON BASSOFF INC3 | 11550 SW 9TH CT PEMBROKE PINES, FL 33025 | AFLAC | $60 | — | $60 | 0.17% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $60 | — | $60 | 0.17% |
| MARCO A ERAZO3 | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $54 | — | $54 | 0.15% |
| SHAWN M LANDECK3 | 102 NE 2ND ST PMB 102 BOCA RATON, FL 33432 | AFLAC | $48 | — | $48 | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12751 NEW BRITTANY BLVD SUITE 201 FORT MYERS, FL 33907 | AFLAC | $48 | — | $48 | 0.13% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $44 | — | $44 | 0.12% |
| JOY L CRENSHAW3 | 19170 WESTBROOK DR BOCA RATON, FL 33434 | AFLAC | $42 | — | $42 | 0.12% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $39 | — | $39 | 0.11% |
| LUZ ELENA SERVI3 | 6127 S RAINBOW BLVD SUITE 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% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIRCLE APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $33 | — | $33 | 0.09% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY SUITE 202 FT LAUDERDALE, FL 33308 | AFLAC | $32 | — | $32 | 0.09% |
| PHYLLIS DAWN HESLEP3 | 3709 S LYNWOOD AVENUE TAMPA, FL 33611 | AFLAC | $30 | — | $30 | 0.08% |
| NADIA DIAZ NORRIS3 | 4572 CONCORDIA LANE BOYNTON BEACH, FL 33436 | AFLAC | $24 | — | $24 | 0.07% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LANE ELGIN, IL 60123 | AFLAC | $20 | — | $20 | 0.06% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $16 | — | $16 | 0.04% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $16 | — | $16 | 0.04% |
| KARYN MITRANO ENTERPRISES INC3 | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $15 | — | $15 | 0.04% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | 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% |
| 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% |
| ADINA ELYSSE ESTRONZA3 | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $9 | — | $9 | 0.03% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $6 | — | $6 | 0.02% |
| JUAN C SOSA3 | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $6 | — | $6 | 0.02% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $6 | — | $6 | 0.02% |
| LAD FINANCIAL CORP3 | 13855 EMERSON STREET APT 204 PALM BEACH GARDENS, FL 33418 | AFLAC | $5 | — | $5 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES J BATTERBURY3 | 1726 W LAS OLAS BLVD #B FT LAUDERDALE, FL 33312 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN ALLEN BASS3 | 3634 DOE RUN DR SAINT CLOUD, FL 34772 | 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% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 5753 HIGHWAY 85 N PMB 8179 CRESTVIEW, FL 32536 | AFLAC | $2 | — | $2 | 0.01% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | 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 SUITE 900 ATLANTA, GA 30339 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD PMB 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 | 166 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $152K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $152K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $152K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.